FULLY UPDATED for 2023 Tax Laws, Medicare, and more! On November 4, 2015, this book was cited, and I was quoted in a USA Today article about the new Social Security rules: "The decision on how and when to file for Social Security should be made as part of an overall retirement income plan with your financial goals, life expectancies, and financial fears firmly in mind." It's your money. You paid $100,000s into the system your whole life (FICA taxes)-so don't leave $10,000s of benefits sitting on the table that cannot be retrieved. It's my goal for both the middle-class and affluent Baby Boomers to realize that this is an important decision. Using the "4% rule," a $2,000 monthly Social Security check is worth some $600,000. How much thought should you give to an "investment" of that size? Too many people have no idea of what their real benefit options are-and, unfortunately, can be prone to miss out on all the money they qualify for. Several useful examples are given to show you the full range of filing options and how to maximize the lifetime benefits you deserve. Written by an experienced Certified Financial Planner, this book is for soon-to-be retirees who want to learn about the different claiming strategies and ramifications of each (whether you are married, never married, divorced, or widowed). As you are reading the book, it becomes very apparent that I actually work in the retirement income planning field daily with real people's savings, their Social Security filing options-and their retirement dreams. But let me be clear that there is NOTHING about Social Security DISABILITY income payments or Supplemental Security Income (SSI) in my book (which caused some early negative reviews). If that's what you are looking for, don't buy this book. My book's sole purpose is to provide people who are about to retire with all the information that they need to make the best Social Security benefit decisions based on their unique financial circumstances and retirement goals. In this respect, it is an essential planning guide. Perhaps one of the most unique portions of the book is where I combine my expertise in Social Security with my knowledge of income taxes to show readers how it is very possible to cut one's taxable income and subsequent retirement income tax bill by 50%. The example comparing the Earlys, the Waites, and the Bests shows what's possible. That alone is worth multiple times the book's price, as it explains how a savvy reader can save $1,000s of