AOL: “This Social Security Decision Could Save You $100K”
October 19, 2026, AOL — Reporter Chris Adams explains in today’s article on AOL.com, “The question of whether to take Social Security when you reach the minimum age or to wait for full benefits is a complicated one. It’s much more than just a financial decision. Most Americans want to get the most money they can yet, it can be tempting to collect it as soon as possible. Your choice could make you forgo thousands of dollars.”
He asked Marguerita Cheng, certified financial planner (CFP), CEO of Blue Ocean Global Wealth about: Factors for Married People
Rita said: “One way to optimize, not maximize is to have the spouse partner with the higher income to defer until full retirement age or age 70. The benefit to delaying means higher lifetime income for the individual as well as providing more robust survivor benefits.”
