08/29/2026
If you look at your pay stub, you’ll see 6.2% taken out every single paycheck for Social Security. But almost nobody actually sits down to calculate what that check will look like when work stops. 📄💡
A lot of people think their full retirement age is 65. If you were born in 1960 or later, it’s actually 67.
And if you decide to take benefits early at 62 because you're tired of working, your monthly check is permanently cut by 30%. On a $2,000/month baseline, that’s the difference between getting $1,400 a month at 62 or nearly $2,480 a month if you wait until 70. That gap adds up to over $150,000 across retirement. 📊
The smartest move you can make today:
✅ Go to ssa.gov and pull your official earnings record.
✅ Check for missing years (they count as $0 and drag down your average).
✅ Build your own Roth IRA and 401(k) bridge so you don't feel forced to claim early out of financial exhaustion.
We just released a full video breaking down all the math, common claiming traps, and spousal rules you need to know.
Check out the full video here: https://www.youtube.com/watch?v=A1-yj_CDCXU
Have you ever logged in to check your estimated number? Let me know below! 👇
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