It sounds like a smart move: claim your Social Security early, invest the checks, and get ahead. But for many high earners, that strategy can backfire… and cost far more than expected. As Peter with Richon Planning and Erin Kennedy discuss, claiming early and investing the benefit isn't as simple as it sounds. 🎯 We also break down: • How the Social Security earnings test can wipe out your benefit while you're still working • The true cost of claiming at 62 vs. waiting until full retirement age, or even 70 • The often-overlooked impact on your spouse, especially survivor benefits 💡 Bottom line: Timing when you claim Social Security isn't just about getting paid sooner, it's about maximizing income, protecting your spouse, and avoiding costly mistakes. It's one of the most important decisions you will make in retirement, and it's something Peter specializes in. To determine when you should claim, call (919) 300-5886 or visit www.RichonPlanning.com