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in this video im going to show you when it might make sense to file early maybe even as early as 62 for your social security benefits and the break-even analysis chart behind me is just a small factor in the overall decision-making process coming up next on holy schmidt holy schmidt now lets talk about the social security break-even analysis you see on the board behind me let me start by saying that this is not a good way to determine when you should file the fact of the matter is it used to be the gospel for filing and it was even on the social security website you would just go on there plug in a few variables and youd have a recommendation the social security administration has since taken that down because they know that its not just about maxing out your total income because there are a lot of issues around your life your obligations etc that come into play that cant be captured on a chart like this so lets talk about what we have here we have three different lines you have