Sun Jun 22 2025, by Tyler Gardner

Social SecurityRetirement PlanningFinancial FreedomMoney ManagementPodcast

Why I’ll Be Taking My Social Security at 62

Here’s exactly why I’ll be taking my Social Security at 62 years old. And no, it has nothing to do with Donald Trump or politics. I’m Tyler, a former financial advisor and portfolio manager. I spend most of my time working on a new podcast, so if any of this is helpful, check it out by clicking the link in my bio.

1. More Overall Money

By taking my Social Security at 62, according to my newly created account on ssa.gov, I’d receive about $2,200 a month. If I waited until 70, I’d get closer to $3,200 a month. The mistake is thinking in these monthly terms. By taking it at 62, I will have more overall money for the next 19 years of my life.

2. More Time to Enjoy Life

By taking my Social Security at 62, that means 19 more years with more money, more health, more mobility, and more mental clarity to spend the money. I want to use it to buy back a much greater asset: time.

3. Avoiding Crazy Land

I refuse to spend the rest of my life being told that once I get to the promised land, I now have another 19 years to wait before reaching the real promised land. That’s just crazy land! For those who disagree with me, I have one question: at what age am I finally allowed to spend my money and enjoy my life?

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