Uploaded May 2026 | Updated September 2026, 2 weeks ago
Taking Social Security at 62 while you’re still working is not the “easy money” strategy the internet makes it sound like. If you earn too much, the government can withhold most or even all of your benefit before you ever see it. And even if you do receive benefits, taxes can significantly reduce what actually hits your account. Meanwhile, delaying Social Security increases your guaranteed benefit every year, creating one of the few inflation-adjusted income sources backed by the government. There’s no universal right answer, but blindly taking benefits early just to “invest the money” is far more complicated than most people realize. Retirement planning is about strategy, not shortcuts.
Follow my page for clear, no-fluff financial planning steps!
Visit for more - wealthrb.com
Securities offered through LPL Financial, Member FINRA/ SIPC. Investment advice offered through IHT Wealth Management, a registered investment advisor. IHT Wealth Management and RB Wealth Partners are separate entities from LPL Financial.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.
#CFP #Financialplanner #retirement #retirementincome #IRS #retirementfinancialplanning
Taking Social Security at 62 while you’re still working is not the “easy money” strategy the internet makes it sound like. If you earn too much, the government can withhold most or even all of your benefit before you ever see it. And even if you do receive benefits, taxes can significantly reduce what actually hits your account. Meanwhile, delaying Social Security increases your guaranteed benefit every year, creating one of the few inflation-adjusted income sources backed by the government. There’s no universal right answer, but blindly taking benefits early just to “invest the money” is far more complicated than most people realize. Retirement planning is about strategy, not shortcuts.
Follow my page for clear, no-fluff financial planning steps!
Visit for more - wealthrb.com
Securities offered through LPL Financial, Member FINRA/ SIPC. Investment advice offered through IHT Wealth Management, a registered investment advisor. IHT Wealth Management and RB Wealth Partners are separate entities from LPL Financial.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.
#CFP #Financialplanner #retirement #retirementincome #IRS #retirementfinancialplanning
