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One of the biggest retirement decisions any investor will face has to do with Social Security.

The program designed to provide income for older Americans is a complex one to navigate, and for many people, it’ll be the primary or largest source of funds in their golden years. So, decisions on when to start tapping into the program shouldn’t be taken lightly. And conventional wisdom says to wait as long as possible to ensure you get the biggest monthly benefit.

But conventual wisdom isn’t always right.

In fact, for some people it makes a ton of sense to claim Social Security early despite receiving a lower monthly benefit. Surprisingly, many investors and retirees actually fall within this camp. With that, claiming early could be the ticket to a happier retirement.

Check out these 50 free resources that can help you manage your money better.

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