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foreign [Music] for social security benefits the latest that you should file is age 70. if you docHub your full retirement age and you dont need your income at that point time you can wait and for each year that you wait beyond your full retirement age youll get an eight percent delayed retirement credit so if your full retirement age is 66 that would be four years of waiting and you would get a 32 percent increase in benefits if your full retirement age is 67 that would be three years of waiting and you would get a 24 increase in benefits now the crossover Im waiting between full retirement age and age 70 is in your early to mid 80s so if you have a long life expectancy then it could pay off to wait but you want to consider as well the income that youre going to need the other sources of income that youre going to have your portfolio and how filing earlier or later is going to impact the portfolio value and the income that you have to come to draw off of your portfolio over your r