We Ran the Numbers: When Singles vs Married Couples Should Take Social Security

When should you take Social Security — at 62, 67, or 70? The answer depends on whether you're single or married, and the math looks very different for each. In this episode, Erik Soderborg and Zacc Call, president of Capita Financial Network, sit down and walk through real break-even analyses for single filers and married couples side by side. This is Part 4 of our 4-part Social Security series, and it's where the theory from previous episodes meets actual numbers. We run multiple scenarios showing how filing age, spousal coordination, survivor benefits, cost of living adjustments, and investment growth all shift the break-even point — sometimes by years. If you've been trying to figure out the right time to file, this is the episode that puts it all together. 📌 Watch the full Social Security series: ▸ Part 1:    • Maximize Your Social Security: How Your Be...   ▸ Part 2:    • The Social Security Menu: 4 Benefits, But ...   ▸ Part 3:    • Social Security at 62 vs 70: The Math Ever...   ▸ Part 5:    • Why Roth Conversions Should Be Your LAST R...   🔗 Want help building a retirement income plan around your Social Security filing decision? Visit https://theretirementnerds.com/ to connect with our team. Join our newsletter for monthly tips, book recommendations, and personal stories! https://theretirementnerds.com/newsle... ⏱️ Timestamps 0:00 Intro 1:22 Scenario Types 2:00 Case 1: Single, Never Married 12:22 Case 2: Married, Same Age, Different PIAs 21:08 Case 3: Married, Same Age, Similar PIAs 28:29 Case 4: Married, Different Age, Different PIAs 35:22 Case 5: Married, Different Age, Similar PIAs 41:54 Case 6: Single, Deceased Spouse 48:13 Case 7: Single, Multiple Previous Marriages 55:04 Where to Get Help #SocialSecurity #BreakEvenAge #RetirementPlanning #WhenToTakeSocialSecurity #SocialSecurity62vs70 #TheRetirementNerds Disclosure: This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.