If you have heard that Social Security is running out and wondered whether you should claim your benefit early before it disappears, you are not alone. It is a common fear among pre-retirees, and the headlines only make it worse. In this episode, Jaime Cowper, walks through what the latest trustee report actually says about Social Security solvency, what a worst case scenario really looks like, and why fear driven decisions about when to claim can lock you into a lower benefit for life. She also shares a real client story that reveals how some advice about claiming early may not be in your best interest. If you are approaching retirement and trying to figure out your Social Security strategy, this episode brings the clarity you need.