When should you claim Social Security—and how do you avoid costly mistakes? In this episode, Ryan and Zane break down how the system really works from full retirement age and delayed credits to earnings tests, COLA increases, and spousal and survivor benefits.   They explain the key factors that should guide your decision, including: Your health and longevity outlook Whether you’re still working (and how the earnings test affects you) Your cash-flow needs in the early retirement years How taxes and IRMAA surcharges come into play How your decision impacts your spouse’s long-term benefit When delaying to age 70 makes sense—and when it doesn’t   Walk away with a clearer path for choosing a claiming strategy that supports your long-term plan instead of working against it.   For more guidance on building a confident retirement, follow Zynergy Retirement on Instagram, Facebook, and LinkedIn @ZynergyRetirement. Stay tuned for new Retirement GPS episodes every Tuesday!