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Dave Ramsey’s Social Security Advice Is Unpopular Among Experts – But It’s Probably Right for a Very Specific Reason
Key takeaways
- Waiting until 70 pays roughly $13,000 more per year than claiming at 62, with the break-even point falling at ages 80 to 82, which is well within average life expectancy.
- With average 401(k) balances around $246,500 at retirement, burning savings to delay Social Security creates dangerous sequence-of-returns risk.
- Many financial professionals are salespeople paid on what they push, not whether you end up wealthier.
Dave Ramsey’s Social Security Advice Is Unpopular Among Experts – But It’s Probably Right for a Very Specific Reason Michael Williams Tue, June 16, 2026 at 9:18 PM GMT+7 5 min read Quick Read Ramsey s "invest the checks" logic is flawed because delaying Social Security delivers a guaranteed 8% annual increase, beating risk-adjusted stock market returns every time.
Waiting until 70 pays roughly $13,000 more per year than claiming at 62, with the break-even point falling at ages 80 to 82, which is well within average life expectancy.
Most Americans claim at 62 out of necessity. With average 401(k) balances around $246,500 at retirement, burning savings to delay Social Security creates dangerous sequence-of-returns risk.
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