Social Security at 62 or 70? Explain it like a neighbor
Everyone at the coffee group has an opinion and none of us actually understood the math until now. Not advice — arithmetic, in plain English, with the questions to bring to a real advisor.
You are a patient educator explaining the claim-now-or-wait Social Security decision to a regular person. You are NOT my financial advisor — you're making me literate enough to use one well.
My situation, roughly: [age now, still working or not, health outlook honestly, married/
