--- title: "She Says He Should Wait Until Age 70 For A $1,000 Bigger Social Security Check — But Her 67-Year-Old Partner Earning $175K Wants The Money Now" description: "A woman on Reddit discusses her disagreement with her 67-year-old partner, who earns $175,000 annually and wants to claim Social Security benefits now, despite the potential for a $1,000 monthly incre" type: "news" locale: "en" url: "https://longbridge.com/en/news/251301624.md" published_at: "2025-08-02T16:40:19.000Z" --- # She Says He Should Wait Until Age 70 For A $1,000 Bigger Social Security Check — But Her 67-Year-Old Partner Earning $175K Wants The Money Now > A woman on Reddit discusses her disagreement with her 67-year-old partner, who earns $175,000 annually and wants to claim Social Security benefits now, despite the potential for a $1,000 monthly increase if he waits until age 70. While he desires immediate access to funds, commenters highlight the dilemma of early versus delayed benefits, emphasizing the importance of health, life expectancy, and financial needs in the decision-making process. Additionally, the couple's marital status could affect survivor benefits, making long-term planning crucial. Deciding when to claim Social Security can be a tricky choice — even more so when your partner disagrees with your plan. One woman recently turned to Reddit's r/SocialSecurity forum to vent about her 67-year-old partner, who is earning $175,000 annually but wants to start collecting his Social Security benefits now — even though waiting three more years would increase his monthly check by more than $1,000. **Today's Best Finance Deals** ## Why He Wants the Money Now Her partner spent much of his career running a business, often paying himself little or nothing in salary. After selling the business, he began working in accounting and now earns a high salary working directly for a private client. **Don't Miss:** - **Accredited Investors: Grab Pre-IPO Shares of the AI Company Powering Hasbro, Sephora & MGM—**Just $0.63 Before NASDAQ Launch**** - **$100k+ in investable assets? **Match with a fiduciary advisor for free to learn how you can maximize your retirement and save on taxes** – no cost, no obligation.** Despite not needing the money, he wants to claim Social Security at 67 — a decision his partner says doesn't make sense. “He would barely be making $2,000 a month," she wrote. “With his current income that would jump by over 1000 when he hits 70.” But for him, it's not about financial need. He simply wants the money “in the bank now.” ## What Waiting Until 70 Would Do Under current Social Security rules, delaying benefits past full retirement age — which is 66 or 67 depending on your birth year — increases your monthly check by 8% per year, up until age 70. For someone like this Reddit user's partner, waiting could mean an extra $12,000 a year for life. But the trade-off is missing out on three years' worth of lower payments — about $72,000 total — before that extra income starts. **Trending: ‘Scrolling To UBI' — Deloitte's #1 fastest-growing software company allows users to earn money on their phones. You can **invest today for just $0.30/share.**** ## Commenters Weigh In: Is It Worth the Wait? The responses to her post highlighted the classic Social Security dilemma: Take the smaller check sooner or hold out for a bigger benefit later? "It's a gamble," one commenter wrote. "Nobody knows when they'll be taken from this world." Another pointed out that if the partner passes away before 70, all that waiting could amount to nothing. Others emphasized the break-even point — typically around age 76 to 78 — when the total value of waiting surpasses the value of claiming early. “He'll be 76 before he starts recovering funds lost that would’ve been given up by retiring early,” one user calculated. Still, some said that if he doesn’t need the income, waiting seems like a logical move. ## Not Married? Survivor Benefits May Not Apply Some commenters brought up an important point: if the couple isn't married, survivor benefits may not apply. "I just watched a friend lose out on benefits after her long-time partner passed away," one commenter noted. Social Security survivor benefits are generally available only to legal spouses. So if the partner were to pass away before or shortly after claiming, and they aren’t legally married, the woman might not be eligible to receive those benefits. It's a detail worth clarifying when planning for the long term. ## There's No One-Size-Fits-All Answer Ultimately, the decision depends on health, life expectancy, financial needs — and in some cases, peace of mind. Users recommended tools like OpenSocialSecurity.com to help crunch the numbers based on individual situations. One user summed it up: "It’s your partner’s decision to make." For couples nearing retirement, it's a good reminder that Social Security planning isn't just about the numbers — it's also about communication. ***Image: Shutterstock*** ### Related Stocks - [RDDT.US - Reddit](https://longbridge.com/en/quote/RDDT.US.md) ## Related News & Research | Title | Description | URL | |-------|-------------|-----| | Reddit｜8-K：2025 财年 Q4 营收 7.26 亿美元超过预期 | | [Link](https://longbridge.com/en/news/275031476.md) | | 期权热点｜上周五 RDDT 大跌 7%，部分看跌期权飙升 233% | 美东时间 02 月 06 日，Reddit 期权总成交 170504 张，看涨期权占比 56%，看跌期权占比 43%。 | [Link](https://longbridge.com/en/news/275263870.md) | | 美股夜盘异动：Reddit 夜盘涨 3.03%，但广告收入预期下调与高估值压力引发市场担忧 | Reddit 夜盘涨 3.03%；Meta 夜盘涨 7.26%，成交额达到 1.13 亿美元；谷歌-A 夜盘涨 2.02%，成交额达到 26.61 百万美元；谷歌-C 夜盘涨 1.94%，成交额达到 10.07 百万美元。 | [Link](https://longbridge.com/en/news/274094682.md) | | Reddit 的突破之年：将你的真实自我转化为财富 | 分析 Reddit 2025 年第四季度的财报和 10 亿美元的回购计划。探讨大幅收入增长、人工智能搜索转型以及全年的财务结果 | [Link](https://longbridge.com/en/news/275126686.md) | | Reddit 表示正在寻求在广告技术及其他领域进行更多收购 | Reddit 正在积极寻求广告技术和其他领域的收购，首席财务官 Andrew Vollero 在第四季度财报电话会议中表示。该公司旨在收购能够增强其规模或用户基础的企业。Reddit 报告的强劲收益为 7.26 亿美元，其中 6.9 亿美元 | [Link](https://longbridge.com/en/news/275163016.md) | --- > **Disclaimer**: This article is for reference only and does not constitute any investment advice.