Social Security Myths That May Derail Your Retirement Strategy (Ep. 14)

By Ramp Up to Retirement | July 23, 2025

Many people feel confident about Social Security until it’s time to file. That’s when the conflicting advice from neighbors, social media, and self-proclaimed experts can make a complex decision even harder.

In this episode, Dan Reese, CFP®, breaks down the most common Social Security myths and explains how decisions around claiming, spousal benefits, and timing can affect your broader retirement strategy.

Whether you’re married, divorced, or filing solo, Dan shares key considerations that may help you make a more informed decision and avoid unintended tax and income surprises later on.

What to expect in this episode:

Why claiming at 62 may not be the right fit for every situation
What to know about spousal benefits and survivor income planning
How early filing can affect future tax liabilities
Why longevity should factor into your Social Security decision
And more!