This advice is primarily for the breadwinner of a home. Social Security Retirement Benefits are the best money you CAN'T buy! So, it is a cash-flow asset that needs to be managed prudently to maximize its benefits... not just for you, but for your surviving spouse. Remember that your surviving spouse will receive the larger of the two checks, not both!

Tom Hegna talks about why the breadwinner should wait until age 70 to file for their retirement benefits. Do you have a "bridge" strategy to use different sources of retirement funds to sustain you until you file at age 70?