141. Should You Take Social Security at 62? Why Waiting Isn’t Always the Best Strategy

🎙 Episode Title: 

Should You Take Social Security at 62? Why Waiting Isn’t Always the Best Strategy 

Episode Summary: 

The advice to "wait as long as possible" to collect Social Security might look good on paper — but for many business owners and pre-retirees, that strategy can backfire. 

In this episode of The Fit Financial Podcast, Amanda and Shawn unpack why taking Social Security at age 62 might actually be the smarter move — depending on your health, your portfolio, your spouse’s age, and your real-life financial needs. 

Whether you’re approaching retirement or already deep into planning mode, this episode will help you cut through the noise and build a strategy that supports your life — not just a spreadsheet. 

What You’ll Learn: 

• The truth about the Social Security “break-even age” (and why it’s not the whole story) 

• When health history or shorter life expectancy may make early benefits a better option 

• How starting benefits early can preserve your investment portfolio and reduce risk 

• Why spousal age gaps and survivor benefits change the math 

• The often-overlooked benefits tied to children and family income planning 

• When immediate income needs should outweigh textbook recommendations 

Ready to Make the Smartest Move for Your Retirement? 

Don’t just pick a number — build a strategy. 

 If you’re within 5–10 years of retirement and want to make the most informed, intentional decision about Social Security (and beyond), book your Retirement Strategy Deep Dive with our team. 

We’ll help you understand how Social Security fits into the bigger picture — taxes, investments, income planning, and your actual life. 

👉 Book Your Retirement Strategy Deep Dive 

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📱 Instagram: @thefitfinancial_ | @fitwealthadvisors 

 🌐 Website: fitwealthadvisors.com