Okay, I didn’t actually get a snail mail Social Security check, Social Security direct-deposited my benefit amount in my bank account. Now that I’ve turned 70, my Spousal Benefits came to an end, but my Social Security benefits maxed out. Diane decided to collect her Social Security when she turned 66 (full benefit). Many of our friends started collecting Social Security as soon as they hit 62 (partial benefit). Since we didn’t need the money, I decided to wait until I was 70 to collect. Social Security offers an incentive to wait: an 8% per year increase in benefits. Do you know of many investments that GUARANTEE an 8% return on your money? I don’t. So I took advantage of the Social Security increases for four years and now the money rolls in! How are you and Social Security getting along?