Quick Read Delaying Social Security to 70 adds 8% annually to benefits with break-even at age 78 to 80. Personal savings rate dropped from 6.2% to 4.2% between early 2024 and mid-2025. Read: I Review Investing Platforms For A Living, And SoFi Crypto Finally Changed My Mind Suze Orman has long maintained that most Americans claim Social Security at the wrong age. Her advice is unambiguous: wait until age 70 to maximize your lifetime benefit. She frames the decision around an 8-year break-even calcu ...