Social media users may love the “6-7” trend, but when it comes to their advice for baby boomers, a number of recent posts from TikTok financial influencers have users recommending that people start collecting their Social Security benefits early, at age 62.

However, this differs from what financial planners typically recommend, which is that people delay their Social Security claim as long as possible to get the maximum monthly benefit at age 70.

Here’s what to know about the online debate.

How does age affect Social Security payments?

Before you do anything, it’s important to understand how Social Security works—and that you contact your financial advisor when making big decisions about your retirement.

That said, how it works is that at full retirement age (FRA), you can claim 100%

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