Should You Take Social Security at 62?

January 8, 2026

Here’s what we discuss in this episode:

🧾 Filing Decision:  Choosing when to claim Social Security

❤️‍🩹 Emotion vs Math:  Why feelings often drive early filing

🧮 Methodical Approach: Evaluating the long-term impact

📈 Strategic Investing: Using early benefits intentionally

❓ Key Questions:  What to ask before claiming at 62

Turning 62 comes with one of the most important financial decisions you’ll ever make: should you take Social Security now or wait? Rob explains why this choice is about more than just the numbers and how emotions and headlines often push people toward filing early. Instead of reacting to fear, this episode walks through the key factors you should consider before making a decision that lasts for decades.


Go inside the episode:

0:00 – Intro

0:57 – Why File at 62?

2:23 – Rushing into Social Security

3:59 – Benefits of Delaying SS

5:37 – If You Don’t Need the Income

7:43 – Case Scenarios at Axio

9:30 – The #1 Question to Ask Yourself

10:54 – Final Thoughts 


Helpful Resources:


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