Retirees may see an approximate 77% increase to their Social Security benefits by waiting from age 62 to age 70 to claim benefits, according to new research.

When you've spent four decades or more in the workforce, it's understandable to be drawn to the idea of claiming those monthly checks at 62.

I’ll be 62 in early 2026. I’m in relatively good physical shape. I collect 100% VA Disability for mental health at $4,000 per month. I have $40,000 in cryptocurrency that I play around with. I have $2,000 in hydrogen company penny stocks. I also have $129,000 in a rollover IRA that we don’t necessarily plan on touching, and lifetime VA Healthcare.