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Retirement income expert Brad Pistole outlines four compelling reasons not to claim Social Security benefits early, making a strong case for delaying until full retirement age or even age 70. He explains how waiting results in significantly larger monthly checks—up to 76% more—thanks to the 8% annual growth rate between full retirement age and 70, and emphasizes the long-term impact on inflation-adjusted income. Brad also highlights how delaying benefits can provide better survivor benefits for a spouse, prevent benefit reductions due to the earnings limit if you're still working, and ultimately lead to far greater lifetime income as people are living longer than ever. He wraps up with a helpful three-question guide to determine your ideal claiming age based on health, other income sources, and marital status.

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