They tell you to wait until 70 for a bigger check—but they’re betting you won’t make it. The break-even age is 80, yet half of retirees never reach it. Every year you wait is money the system never has to pay you. Spending drops with age: 100% at 65-74, 80% at 75-84, and 63% at 85+. Why wait for more when you’ll need less? Social Security’s future is shaky—trust fund depletion is projected by 2033, with 20-25% benefit cuts likely. Claim early (62-67) if: ✔ You need the money—it’s yours, take it. ✔ You have health risks—don’t wait for a check you won’t cash. ✔ You want to enjoy your best years. Consider waiting (67-70) only if: ❗ You’re in excellent health. ❗ You have other income. ❗ Your spouse depends on survivor benefits. Waiting benefits them, not you. Take what’s yours while you still can.