As Americans approach retirement, the decision on when to claim Social Security benefits is increasingly complex. Many are contemplating whether to take their payments early at 62, wait for full retirement age at 67, or delay until 70 for maximum payouts. Experts vary in their recommendations: financial adviser Dave Ramsey suggests early claiming, while others warn that doing so could lead to significant financial losses over time. Amidst viral discussions on platforms like TikTok, various analyses reveal that most couples make critical claiming mistakes, potentially sacrificing tens of thousands. As retirees consider their options, numerous articles advise weighing the pros and cons, highlighting the importance of understanding the long-term implications of each choice. With ongoing debates and the prevalence of misleading information, individuals are urged to evaluate their personal circumstances carefully before making a decision.