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Almost everyone out there is saying, “Wait until age 67 or 70 to take Social Security.” But is that really the smartest move or could it actually cost you the freedom you could have right now?

In this episode, I dig into the real math behind Social Security and show you how in many cases, you can actually come out ahead by taking it earlier.

I share the story of one of my clients who faced this exact decision at age 61. Using his real numbers, I walk you through how different claiming ages impact not just the monthly payment but also the opportunity cost of waiting. By applying the concept of velocity of money, I demonstrate how reinvesting Social Security income can often create higher cash flow and more options today versus holding out for a slightly bigger check later.

Along the way, I challenge the traditional advice from financial gurus like Dave Ramsey. While I agree with his point that the government isn’t doing a good job with your money, I show you where the math actually proves the case for taking Social Security early especially if you’re smart about where you reinvest it. I also highlight why simply dumping that money into the stock market isn’t the best answer in today’s economic climate.

You’ll learn:

• The time value of money and why earlier cash flow often beats delayed payouts
• How to evaluate whether waiting until age 70 really benefits you—or just delays your freedom
• Why inflation-adjusted COLA increases don’t keep up with reality
• Smarter alternatives like passive income investments, secured real assets, or even life insurance strategies
• How reverse mortgages can complement Social Security for homeowners at age 62 and beyond

This episode isn’t just theory it’s about putting control back in your hands. Whether you’re already in your 60s and weighing your options, or you’re younger and just want to stop worrying about Social Security, the takeaway is clear: stop waiting on the government and start creating your own freedom today.