{"podcast":{"title":"Phil's Tax Hacks","slug":"phil-s-tax-hacks-1040028","podcast_index_feed_id":1040028,"rss_url":"https://feed.podbean.com/philstaxhacks/feed.xml","website_url":"https://philstaxhacks.podbean.com","image_url":"https://pbcdn1.podbean.com/imglogo/image-logo/5162829/Phil_Putney_Logo_1400_72dpi.jpg","author":"Phil Putney","episode_count":299,"summary":"Financial, tax and retirement planning guidance from Phil Putney. Each week Phil will talk about the keys to building a sound financial strategy that can survive throughout the ups and downs of the market. We'll have plenty of tax hacks along the way and other retirement facts!","last_synced_at":"2026-06-18T18:18:33.862350+00:00","page_url":"https://stenobird.com/podcast/phil-s-tax-hacks-1040028"},"episode":{"title":"I’m 62: Should I File For Social Security Or Wait?","slug":"i-m-62-should-i-file-for-social-security-or-wait","published_at":"2025-12-18T10:00:00+00:00","page_url":"https://stenobird.com/podcast/phil-s-tax-hacks-1040028/i-m-62-should-i-file-for-social-security-or-wait","show_page_url":"https://stenobird.com/podcast/phil-s-tax-hacks-1040028","url":"https://philstaxhacks.podbean.com/e/i-m-62-should-i-file-for-social-security-or-wait/","audio_url":"https://mcdn.podbean.com/mf/web/wjuntkuz6cnyww2q/310_-_PHIL_PUTNEY_-_FILING_AT_62_-_AUDIO6si9d.mp3","summary":"Want to learn more about financial planning? Please subscribe to our channel and you won't miss a video ➟ https://bit.ly/33RO6mV Book an appointment with Phil to get your customized planning process started ➟ https://www.afswealthmgt.com/schedule-appointment Turning 62 might not feel like a milestone birthday until you realize the Social Security clock just started ticking. Filing now could put money in your pocket sooner, or it could cost you tens of thousands of dollars over your lifetime. In this episode, Phil breaks down how to think through one of the biggest retirement decisions you’ll ever make without letting emotion lead the way. Before you file, make sure you’re choosing the strategy that supports your long-term retirement, not just the date on the calendar. Here’s some of what we discuss in this episode: 🎂 Filing at 62: temptation to claim benefits early ❤️ Emotional Decisions: how fear and advice are driving choices ⏳ Waiting Advantage: higher lifetime benefits at full retirement age 📉 Early Impact: permanent reduction in monthly payments 👫 Spousal Strategy: survivor benefits affected by timing 📊 Client Examples: real scenarios reveal best-fit strategies For more, visit us online: http://philstaxhacks.com Watch the video podcast on YouTube: https://bit.ly/3WdDG96","meta_description":"Want to learn more about financial planning? Please subscribe to our channel and you won't miss a video ➟ https://bit.ly/33RO6mV Book an appointment with…","key_points":[],"chapters":[],"topics":[],"duration_seconds":814,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/phil-s-tax-hacks-1040028/episodes/i-m-62-should-i-file-for-social-security-or-wait/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/phil-s-tax-hacks-1040028/i-m-62-should-i-file-for-social-security-or-wait.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}