From The Retirement Nerds.
When should you take Social Security — at 62, 67, or 70? The answer depends on whether you’re single or married, and the math looks very different for each. In this episode, Erik Soderborg and Zacc Call, president of Capita Financial Network, sit down and walk through real break-even analyses for single filers and married couples side by side. This is Part 4 of our 4-part Social Security series, and it’s where the theory from previous episodes meets actual numbers.
We run multiple scenarios showing how filing age, spousal coordination, survivor benefits, cost of living adjustments, and investment growth all shift the break-even point — sometimes by years. If you’ve been trying to figure out the right time to file, this is the episode that puts it all together.
📌 Watch the full Social Security series:
▸ Part 1: https://youtu.be/AZfxGBp-Mts
▸ Part 2: https://youtu.be/Ssgulq9KwEU
▸ Part 3: https://youtu.be/FpnHmouqYl4
🔗 Want help building a retirement income plan around your Social Security filing decision?
Visit https://theretirementnerds.com/ to connect with our team.
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⏱️ Timestamps
0:00 Intro
1:22 Scenario Types
2:00 Case 1: Single, Never Married
12:22 Case 2: Married, Same Age, Different PIAs
21:08 Case 3: Married, Same Age, Similar PIAs
28:29 Case 4: Married, Different Age, Different PIAs
35:22 Case 5: Married, Different Age, Similar PIAs
41:54 Case 6: Single, Deceased Spouse
48:13 Case 7: Single, Multiple Previous Marriages
55:04 Where to Get Help
#SocialSecurity #BreakEvenAge #RetirementPlanning #WhenToTakeSocialSecurity #SocialSecurity62vs70 #TheRetirementNerds
Disclosure:
This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved.
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