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Delaying Social Security to 70 Cost This Couple $137,000. One Change Made It Worth $1.5 Million.
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Delay Social Security to 70. It's the most repeated retirement advice on the internet, and the check really does get bigger. What almost nobody shows you is what happens to the rest of your money while you wait.
In this episode, I take a hypothetical couple, Claire (56) and Dan (58), with a little over $3 million saved, 88% of it pre-tax, and run the famous advice through planning software three ways. Delaying to 70 on its own nudged their odds of success from 58% to 60% but left them about $137,000 less at the end of the plan. Roth conversions on their own barely moved…
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