The Social Security Oversight That Could Cost Couples $180,000

November 25, 2025 - 22:19

Planning for retirement is a critical phase in life, particularly in the final years before leaving the workforce. Financial experts emphasize that the decisions made during this period can significantly influence the quality of retirement. In a recent discussion, financial planner Jeremy Keil highlighted the importance of thorough preparation to ensure a comfortable retirement rather than a struggle for financial resources.

Keil pointed out that understanding the implications of longevity is essential in financial planning. Couples often overlook the substantial role that Social Security plays in their long-term financial stability. Missteps in claiming benefits can lead to a loss of up to $180,000 over the course of retirement. Additionally, healthcare expenses are a vital consideration, as they can rapidly deplete savings if not accounted for properly.

Overall, the message is clear: proactive and informed planning is crucial for securing a financially stable retirement, allowing individuals and couples to enjoy their golden years without financial stress.