Let’s talk about the retirement panic that has folk hitting the Social Security button faster than folks rush to buy Beyoncé tickets. People are claiming Social Security at 62 like the system is about to disappear overnight. All this stress over “What if it runs out?” has folks locking in the smallest Social Security checks of their life, all in the name of FEAR.

Despite growing awareness about the benefits of waiting, roughly 25 to 30 percent of Americans still claim Social Security at age 62, the earliest age allowed. That’s down from nearly 50 percent in the 1990s, but it’s still a significant chunk of retirees locking in reduced benefits for life. This decision is driven by fear—fear that the system might run out, fear of job loss, or fear of dying before they can collect. Others simp

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