Dear Patriot,

Last time, we peeled back the curtain on hidden account fees—the kind that quietly chip away at your savings while Wall Street wins either way. But today, we shift focus to one of the most important financial decisions you’ll ever make: when to claim Social Security.

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Fun Fact Of The Day

A married couple who both delay claiming until age 70 could generate over $1 million in lifetime Social Security income, depending on longevity.