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Dave Ramsey: Claim Social Security Early for Wealth Boost

1/20/2026

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Summary

Story summary

Dave Ramsey argues retirees should claim Social Security at age 62 rather than wait until age 70.
He notes waiting only pays off if people live long enough to offset years without benefits.
Ramsey argues investing early benefits could yield more wealth than larger delayed checks.
Personal factors such as health and savings should guide each retiree’s filing choice.

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Story summary

Dave Ramsey argues retirees should claim Social Security at age 62 rather than wait until age 70.
He notes waiting only pays off if people live long enough to offset years without benefits.
Ramsey argues investing early benefits could yield more wealth than larger delayed checks.
Personal factors such as health and savings should guide each retiree’s filing choice.