I’ve read a lot on when to file for social security. There are so many different thoughts on this.
Doesn’t it make sense to file early or at least at your FRA if you don’t need it at all? Wouldn’t this allow you to keep more of your own money which your heirs can actually get one day?
It’s just added income you can save if you start taking it. I understand waiting to take it to get a higher amount if you will rely on it for needed income but I can’t figure out why it makes sense to wait if you know you’ll never need it anyway.
Doesn’t it make sense to file early or at least at your FRA if you don’t need it at all? Wouldn’t this allow you to keep more of your own money which your heirs can actually get one day?
It’s just added income you can save if you start taking it. I understand waiting to take it to get a higher amount if you will rely on it for needed income but I can’t figure out why it makes sense to wait if you know you’ll never need it anyway.