The Biggest Social Security Mistakes (And How To Avoid Them) with Hamilton Morales

The Happy Retirement Show with Victor Gray and Colin Hurst

You’ve been contributing to Social Security for your entire working life, but do you have peace of mind about when to start drawing from it? In this episode, Victor sits down with Hamilton Morales, a Social Security expert who breaks down the real decision points that come with turning on your Social Security benefit. He unpacks some of the biggest mistakes people make, like turning it on too early, or worse, copying their neighbor’s plan without thinking it through.

Here’s some of what we discuss in this episode:

📈 Why income- not net worth- is the real MVP in retirement

💰 The three forms of income in retirement

🕒 How timing your Social Security benefits can impact you and your spouse for life

🚨 The #1 mistake people make with Social Security

📅 Building a benefit plan around your life expectancy

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