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[Music] [Music] what is the social security break-even age when it takes social security is one of the most common questions i get as a financial planner and is a very important aspect to any retirement plan so when to take social security when is your break even the first step is to know exactly what your benefits are so log into ssa.gov and download your latest statement this will tell you your current age 62 benefit your full retirement age benefit and your age 70 benefit now at 62 you get a permanent reduction in your benefits of around 30 percent but collect more social security checks now at your full retirement age this could be between 66 and 67 depending on your birth date you get a hundred percent of your retirement benefit from your full retirement age to age 70 you get a bonus credit of approximately eight percent per year now if you live long enough the dollar value of the social security benefits you receive by getting a larger amount but starting later catches up to the