Maximizing Social Security Benefits

Social Security benefits can be a significant part of your retirement income, so why not get the most out of them? The key is timing. Claiming benefits at 62 might be tempting, but waiting until your full retirement age, or even until 70, can significantly increase your monthly check. Additionally, consider spousal benefits, which can offer up to 50% of your spouse's benefit. If you're divorced but were married for at least 10 years, you might still be eligible. Finally, keep an eye on your earnings record. Errors happen, and they can cost you. A bit of strategic planning today can lead to a more comfortable tomorrow.