When should I claim Social Security benefits? That's one of the most important questions Americans will have to answer as they approach retirement age. The most popular age for claiming Social Security is 62,

When calculating your monthly benefits, Social Security uses a specific formula that takes your 35 highest-paid years of income into account. You can qualify for Social Security with a shorter work history, but for each year you're missing income within your top 35, you'll have a $0 factored into your benefits calculation.

The reason I’d like to do this is because I have a child that will still be young enough to qualify for dependent benefits for about eight years. I also believe that my wife wil