Take It Early, Take Control: Why Waiting To Take Social Security Might Not Be the Best Move

Everyone’s heard it: “Wait until 70 to take Social Security so you’ll get a bigger check!”

That sounds good in theory, but let’s be honest: no one knows how long they’ll live, and the Social

Security system may not even look the same five or ten years from now.

So here’s the smarter question:
Why give up over $100,000 between ages 67 and 70 in hopes that you’ll live long enough to "make it back"?

Here’s why taking Social Security at 67 (or even earlier) might be the better move:

1. You’re here now.
We can't predict the future, but we know we’re alive today. Starting benefits at 67 guarantees income while you're still healthy enough to enjoy it.

2. You can save it or invest it.
If you don’t need the money right away, that’s even better. You can save those checks, invest them, or use them strategically. If something unexpected happens, your family can inherit what you saved. With Social Security, once you're gone, the checks stop.

3. Waiting is a gamble.
Yes, your monthly benefit grows if you wait, but it typically takes until age 82 or 83 to "break even" and come out ahead. That assumes you live that long but not everyone does.

4. The system is under pressure.
Social Security’s trust fund is expected to be partially depleted in the early 2030s. If that happens, benefits may be reduced by as much as 25%. That means waiting could actually backfire.

5. You’ve earned the right to choose.
This isn’t just about maximizing a government benefit. It’s about minimizing regret, taking control of your money, and building a legacy your family can benefit from.

Final thought

You’ve spent decades paying into the system. Taking your benefits earlier doesn’t mean you're leaving money on the table it means you’re putting yourself first. The longer you wait, the more you leave up to chance.

When the Future Is Uncertain, Organize What You Can

Life has always been full of surprises, but in today’s world—where health crises, job instability, and social changes are all around us—the idea of “getting your house in order” isn’t just good advice... it’s 
essential.

This post is about why organizing your personal affairs is a powerful act of self-respect, love, and clarity—and when you should start (hint: it’s now).

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Why Organize Your Personal Affairs?

Reason	Why It Matters
Uncertainty is constant	You don’t know when a crisis will come—being prepared reduces stress and confusion
No one else will do it for you	Loved ones shouldn’t be left guessing about your wishes
It brings peace of mind	You feel more grounded when your affairs are in order
It’s an act of love	Your family won’t have to scramble to make tough decisions
It helps you live with intention	Organizing your life forces you to reflect on what matters most

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When Should You Start?

NOW.

We wait for a better time, but the truth is:

• Should you do it before retirement? Yes.
• While you’re healthy? Absolutely.
• After a major life event (divorce, death, diagnosis)? Also yes, but don’t wait for that wake-up call.

Don’t wait for a crisis to start caring about your values, your time, or your legacy.

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Creating A Will

 ​Creating a will is a vital step in ensuring that your assets are distributed according to your wishes and that your loved ones are taken care of after your passing. While consulting an attorney is advisable for complex estates, many individuals can draft a simple will on their own using available resources. Here's a step-by-step guide to help you through the process:

1. Decide How You'll Write Your Will

There are several methods to create a will:

• Hire an Attorney: For complex estates or specific legal concerns, consulting an estate planning attorney is recommended.
• Online Will-Making Services: Platforms like LegalZoom and FreeWill offer guided templates to create legally binding wills.
• Do-It-Yourself (DIY): With the right resources, you can draft your own will. Ensure it complies with state laws to be considered valid.