Most people stress like crazy when it comes to collecting Social Security because they don't want to get it wrong and I don't blame them. It's the difference of potentially tens if not hundreds of thousands of dollars. So you want to get it right, but you don't need to stress about it when it's going to be one decision you make in a few minutes at some point that's going to dictate how much income comes in. So what I recommend is just understanding what do most people do, which is what I'm going to explain today. It doesn't mean you have to follow that, but you might hear something that goes, wow, that rationale. Yep, that's what I'm thinking and I'm going to collect at 62 and this makes sense to me. And then you could be done worrying about this. And part of my job, as I view view it is to advise you on here's something you might

just not know about, asset location or Roth conversions or healthcare planning. And here's

something that you've probably thought about for a very long time or you might know that it's

going to be something you're going to worry about that hopefully you no longer worry about because

it will been explained in a way that resonates with you. So as a reminder, my name is Ari Taublieb. I'm a certified financial planner and host of the early retirement podcast. I'm also the chief growth officer at Route Financial. So if everything today just lights you up where you're like, oh my gosh, I love this. Like when I'm in retirement, I'm going to be doing tax strategy and health care and I don't want to travel because I'm going to be looking up different tax laws. We might not be the best fit for you and you probably will want to manage on your own. If you're like, wow, you love this stuff and I think your team love this stuff, well, that's of course what we do here. So if you're listening to this going, wow, I want some help like this.

You can go to our website, rootfinancial.com, and talk to an advisor today. Now, what I'm going to explain first are some stats. And some of these stats might surprise you. Some I think you're going to go, yep, it's kind of what I thought, but it validates it. But I'm going to start with my little Social Security story because this is what I think a lot of you will resonate with.

And so the story is someone who came and said, what's the But I'm going to start with my little Social Security story because this is what I think a lot of you will resonate with.

And so the story is someone who came and said, what's the best time to collect?

And I said, if there was a best time to collect, it would be very simple. I would just tell you it's this age or that age. But it's not that way. And that's why Social Security gets so much hype on YouTube, on different articles, because there's a lot of fear that you can drive people into thinking about, which gets them more clicks and more ad dollars, which is the exact opposite approach I try to take.

I just want to give you the straight logic. You can make a decision and be on your way. So with Social Security, the way I'm going to recommend you think about it is in this following kind of three questions. Question one, do you need income? If you're like, I want to retire and I could literally not survive because I just don't have enough money, there's a reason to turn on Social Security. If that helps you live your ideal life where you have your health and your energy in your early years, that's something to consider. Like, do you need income? That's number one.

Number two, what are you going to regret less? I'm not saying that you're worrying about the

following, but many of you are worrying Social Security will go away. Maybe not entirely. But if you're

thinking, you know what, I paid into this thing for 35 or 40 years, I could not live with myself. If I paint into this thing,

and then all of a sudden I go, I want to turn it on, and it's at 75% of what it should be,

or 50%. I'm just going to be kicking myself. Now, people have been saying that's going to happen

for a very long time, and it has not happened. But you might feel a concern there, which

would be a valid concern, because there is proof,

not my opinion, that more people are collecting Social Security versus those paying into it.

So if that's how you're thinking, you might go, you know what, maybe I do turn it on a little

quasi too early, but if I'm going to sleep better at night because I turn it on early knowing,

hey, now I'm going to be collecting this amount, starting right away, you're just going

to feel better.

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