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That's a question we hear often, and you may not like the answer so much. My answer is it depends.

When I say that,  I often think of my kids where they ask me something all the time and the answer is often maybe.

“Mom, can we go here?” “Mom, can I do this one?” Asking something all the time where my answer often is maybe. We'll see what the day brings. We'll see if you get your work done. We'll see if you listen. Maybe is dependent upon what they do.

When we go to take social security, it depends is very much like the maybe answer. It depends on when you retire. What are your goals? There is no one perfect time that I can say that everybody should take social security.

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