I don’t know how long I will live so should I take Social Security early?

Answer: Good question. It actually depends. There are basically 4 variables that come into play when calculating the optimal benefit from Social Security. It is very complicated as you have to look at your age, your work history, your marital status and how long you think you or your spouse will live.  One error that most fail to consider is how long their spouse expects to live and will they need the money to live their lifestyle on the income from Social Security.