WalletWhisperer
Planning to claim Social Security in 2026? Here's something worth thinking about—your full retirement age can seriously impact how much you actually receive. Claiming earlier means lower monthly payments for life, while waiting pushes your benefit amount higher. The timing question isn't just about when you need the cash; it's about the total picture of your retirement finances. If you've been wondering whether 2026 is the right year to start, your FRA (full retirement age) is the key variable that changes the entire equation.