Delaying Social Security as a Triple Hedge (@MichaelKitces)

Michael Kitces is a fellow Financial Planner ( and all around smartest guy in the room. He recently wrote about delaying Social Security as a hedge against 1) higher than expected inflation 2) lower than expected investment returns and obviously 3) living “too” long.

I’m not sure what else you could want to hedge against.

As he’s since pointed out, there is more to the equation than just “Do I take it at 62 or 70?” But really understanding the benefits of delaying (beyond the simple “break even” analysis) is a first step to devising a social security withdrawal plan.

Here’s his post:

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