RS70.com — Retire at 70

Retire at 70.
The Social Security
sweet spot.

Waiting until 70 to retire is the most financially powerful decision most people never seriously consider. RS70.com is the resource for people who understand that patience has a price — and a payoff.

+8%

Per year benefit increase after full retirement age

124%

Of full benefit at age 70 vs 67

Break-even age vs. claiming at 62

The Maximum Social Security Benefit Strategy

Most retirement planning focuses on leaving work as early as possible. But a different school of thought is gaining ground: work until 70, collect maximum Social Security, and fund a shorter retirement from a larger portfolio with guaranteed income as the foundation.

For every year you delay claiming Social Security past your full retirement age (67 for most people), your benefit grows by 8%. Delaying from 67 to 70 increases your monthly benefit by 24% — permanently, adjusted for inflation every year for the rest of your life.

For someone with a longer life expectancy — which describes most people who make it to 70 in good health — the math strongly favors waiting. The guaranteed income simplifies everything else.

Why Retiring at 70 Works

Maximum Guaranteed Income

Social Security at 70 is the highest it can ever be. Combined with Medicare, it creates a stable income floor that makes portfolio volatility far less stressful.

Shorter Portfolio Runway

A 20–25 year retirement (70 to 90–95) requires a smaller portfolio than retiring at 60. The math works in your favor — you need less saved to generate the same lifestyle.

Medicare Already Active

No healthcare bridge needed. Medicare kicks in at 65, so by 70 you have five years of experience managing your coverage with no gap risk.

More Working Years to Compound

Every additional year of contributions and market growth compounds the portfolio. Someone working from 60 to 70 adds significant wealth even with modest savings — and keeps Social Security growing simultaneously.