Dear Rusty: One of the big pieces of the Social Security puzzle that everyone seems to miss is the protection of other retirement funds. If I did not take SS I would have to dip into my retirement savings to fund the early part of my retirement. I took SS at my full retirement age rather than wait, so I am preserving my retirement account that has historically been getting 8-9% interest over the last 30 years. Social Security will never give me anything close to those returns. Signed: Smart Investor

This recording presents the viewpoints of the AMAC Foundation’s Social Security Advisory Staff, trained and accredited under the National Social Security Advisors program of the National Social Security Association, LLC (NSSA). NSSA and the AMAC Foundation are not affiliated with or endorsed by the United States Government, the Social Security Administration, or any other state government. To request additional information, contact our Advisory Staff at 888-750-2622, or email us at SSAdvisor@AmacFoundation.org.