Social Security Q&A LIVE — Claim at 62, 67 or 70 (The $182K Question) | Office Hours Ep. 5

Join our community - Get Direct access to me, weekly briefings, and a community working through these decisions together. ➡️ https://www.skool.com/benefits-insider 📅 LIVE today at 4:00 PM ET — Office Hours Episode 5. There's one Social Security decision that affects every other decision you make in retirement. It's bigger than your savings rate. Bigger than your investment returns. Bigger than your tax planning. When do you claim? Get it wrong, and you could leave $182,000+ on the table over your lifetime. Get it right, and you've made one of the most important financial decisions of your life — locked in for good. Today on Office Hours we walk through the full decision framework. The math. The math nobody tells you about. And the 5 real-world scenarios that show when each age actually wins. 🎯 ON EPISODE 4: ✅ How Social Security is actually calculated (your PIA explained) ✅ The cost of claiming at 62 — and when it's still the right call ✅ The bonus for waiting until 70 — 8% per year, compounded ✅ Break-even analysis: at what age does each strategy pay off? ✅ How marriage, health, and work history change the answer ✅ The COLA multiplier — why a bigger starting check matters more than you think ✅ 5 real case studies with the dollar amounts Bring your situation to the chat. The back half of the show is yours. 👋 WHO I AM: I'm Kwame Kuadey, finance educator at Johns Hopkins Carey Business School and creator of Benefits Insider. For more than a decade I've helped older Americans understand the Social Security benefits they've earned. 📚 FREE GUIDE — 7 Biggest Social Security Mistakes: The mistakes that cost retirees thousands. Covers the claiming decision plus six more. ➡️ benefitsinsider.co/social-security-mistakes 🎯 SOCIAL SECURITY BENEFIT AUDIT ($47): A 7-point review of YOUR specific situation — your PIA, your optimal claim age, your break-even, your survivor coordination. The exact decision framework we walk through today, applied to your numbers. ➡️ seniorfirststore.com/products/social-security-benefit-audit 👥 BENEFITS INSIDER CIRCLE (Skool Community): Try free for 7 days. Direct access to me, weekly briefings, and a community working through these decisions together. ➡️ skool.com/benefits-insider 📬 THE DAILY 3 NEWSLETTER: Three benefits updates in your inbox, Monday through Friday. Free. ➡️ benefitsinsider.co/subscribe 🏥 CHAPTER MEDICARE (PARTNER): Comparing Medicare plans? Chapter's licensed advisors can walk you through your options. ➡️ askchapter.org/insider — or call (539) 205-2147 ⏰ Office Hours is LIVE every weekday at 4:00 PM ET. Subscribe + tap the bell so you don't miss it. #SocialSecurity #ClaimingStrategy #Retirement #SocialSecurityAt62 #SocialSecurityAt70 #BenefitsInsider #OfficeHoursWithKwame --- DISCLAIMER: Office Hours with Kwame Kuadey is for general informational and educational purposes only. It is not legal, financial, tax, or insurance advice. Kwame Kuadey is not a registered investment adviser, attorney, or licensed insurance broker. Benefits Insider is not affiliated with the Social Security Administration, the Centers for Medicare & Medicaid Services, the USDA, or any other federal or state agency. Always consult a qualified professional and the relevant government agency before making decisions about your benefits.