Just looked into what the minimum Social Security payment actually is at age 65 and honestly, the numbers are kind of eye-opening. So if you're turning 65 this year, your full retirement age is actually 66 and 10 months, not 65. That means if you start collecting now, you're looking at around 87-88% of what you'd get if you waited. The average Social Security payment at that age is somewhere around $1,500 a month based on older data, though it's probably higher now with all the cost-of-living adjustments they've done since 2022. Men average like $1,671 and women around $1,356, but that gap is wild. What's crazy is the math on waiting though. If you can hold off until 67 or even 70, your monthly benefit jumps up significantly. Waiting until 70 gives you like 24% more per month. So that minimum payment at 65 is way less than what you could get if you just wait a couple years. Kinda makes you wonder if claiming at 65 is actually worth it unless you really need the money right now. Anyone else been looking at their Social Security options?