Listener Questions: Should I Take Social Security Early and Invest It?

Listener Questions: Should I Take Social Security Early and Invest It?

From Retirement Answer Man by Roger Whitney, CFP®, CIMA®, RMA, CPWA®

April 8, 2026 · 42 min · Episode 638

About this episode

Roger Whitney discusses the decision of when to claim Social Security benefits and its implications on retirement strategies.

In this episode of the Retirement Answer Man, Roger Whitney explores the critical decision of when to claim Social Security benefits, weighing the pros and cons of taking them early versus delaying. Through listener questions, he delves into the impact of investment returns, health considerations, and income needs on retirement strategies. Roger also shares inspiring retirement stories and offers practical advice on managing retirement accounts and planning for the future. With insights into the psychological and financial aspects of retirement, this episode equips listeners with the knowledge to make informed decisions about their financial well-being. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN (00:00) Introduction: Navigating retirement decisions with confidence ROCKIN’ RETIREMENT IN THE WILD (00:42) Highlighting stories of unique retirement adventures (01:08) The non-financial benefits of enjoying freedom day-by-day (04:25) Cultural pressure to plan and set goals in retirement (06:19) Retirement dreams: taking the world's longest flight PRACTICAL PLANNING SEGMENT (07:32) Addressing the dilemma: take Social Security early and invest it? (09:22) Key facts impacting…

People in this episode

Host: Roger Whitney

Topics covered

  • Social Security
  • retirement planning
  • investment strategies
  • financial decision making
  • listener questions

Keywords

  • Social Security
  • retirement
  • investment returns
  • financial planning
  • income needs

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