Technically, you don't have to take Social Security when you retire. It's possible to leave your job at 62 and then wait until 70 to file for benefits. However, you'll need to rely on other sources of income during those years in between, which can take a hefty toll on your savings.

In 2024, the life expectancy for someone born in 1959 was 74 for men and 80.1 for women, according to a Social Security report. The report predicts continuing increases in life expectancy, which translates into even more years that beneficiaries will receive Social Security checks.

The best way to see how much your Social Security benefit would be at age 69 is to log in to your account at www.ssa.gov (or create one if you haven't yet) and view your latest Social Security statement. Here you'll find an estimate for various ages based on your actual work record.

You can maximize your benefits if you wait to claim Social Security until your full retirement age or older. However, claiming earlier could shrink your monthly check by as much a

Understanding how continued employment can impact your Social Security benefits is crucial, especially if you plan to claim them before reaching full retirement age. Learn how income limits work, how they affect your benefits,

Wall St. Social Security benefits are rising 2.5% in 2025. The timing of your first higher paycheck depends on your date of birth. There are ways to improve your finances if your COLA isn't enough. Smart Social Security planning could help you retire early.