Figuring out the most financially optimal time to claim Social Security is a complicated equation that involves hundreds of variables to complicate matters hidden deep within Social Security's Handbook are a few gotchas that can reduce your benefits forever To make sure you don't shortchange yourself Peter with Richon Planning and Erin Kennedy are breaking down the top five If you take two benefits at once you lose one of the two If you take your retirement benefit at the same time as your spousal or divorced spousal benefit your retirement benefit will generally wipe out your spousal or divorced [... more]