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And delay collecting their benefits until they hit 70. the couple literally reaches the benefits of waiting. >> social security, not the only retirement money that youre living on. yeah? >> yeah. its not supposed to conquer everything and it wont cover everything. the longer you wait, though, the more of your monthly expenses might be covered under this benefit. wait until age 70, 82% of living expenses are covered. start collectsing at 62, not as high. if you dont have a job and dont have the i...