Episode Details

The math behind "wait until 70" for Social Security is real.

Hold off claiming from 62 to 70 and your monthly benefit climbs by roughly 77%.

So why would anyone walk away from a number that big?

The short answer is that the standard break-even analysis only measures one variable. 

And for retirees with healthy pre-tax savings, there are other factors at play that can make "waiting" a more expensive decision than it looks.

In this episode, I'm turning the mic over to Josh Rendler — a partner at our firm — who walks through a case study of a 62-year-old woman with a $1.5 million IRA and the question most retirees are wrestling with.

Here's what you'll learn:

→ The reframe that makes "wait until 70" fall apart for retirees with healthy pre-tax balances

→ How Social Security timing and Roth conversions compete for the same bracket space (and why claiming earlier can actually EXPAND your conversion runway)

→ The planning window that opens at 61, and what gets harder to fix once it closes

The biggest claiming-age check isn't always the biggest after-tax outcome.

And a well-built plan shouldn't make you choose between doing the math right and actually enjoying the retirement you spent 35 years earning.

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