Planning ahead matters when it comes to claiming Social Security. In his recent Kiplinger article, RSSA® Ray Harris, explains why starting the application process early may help individuals avoid unnecessary delays and better prepare for retirement income timing.

Where Does the $735,000 Come From? While every family’s situation is unique, I calculated this figure based on a "typical" American household to show the sheer scale of the protection you already have. Here are the key assumptions used: The Household Income: I assumed a "breadwinner" earning a median income of approximately $83,000 per year. The Family Makeup: I modeled a family with two young children (ages 5 and 10) and a surviving spouse. The "Child-in-Care" Years: For the