Bestselling Author and Retirement Expert, Dale McGregor, tackles the classic question: “When should I claim Social Security?” After joking that he can give you the perfect answer if you tell him the date you’ll die, he lays out a practical framework. Dale explains why Social Security is best viewed as a budget item—if your plan needs the income at 62, you turn it on; if you can wait, you may benefit from higher checks later. He also unpacks the earnings test between 62 and full retirement age, and how couples can use strategies like spousal benefits to maximize household income.