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the 16000 $728 social security state mistake that most retiree is completely overlooked starting to talk about here today the fool there clickbait articles I just look I like the Bali fool I'm a fan of them but I get a lot of questions on this I figured I'll share it with you because I went through the process so you don't have to and if you hear that in the background that is my smoke detector it is going off and I tell you what it is the bane of my existence can't possibly change for that day ah so we'll just keep going on this and I'll go around there fix again right so anyway the sixteen thousand seven hundred twenty eight dollar social security bonus most retirees completely overlooked that's what we're gonna talk about here today so welcome to the heritage wealth planning YouTube channel the place you come to learn what is could be and what is not and this would even be considered clickbait how I'm gonna do this video because maybe you're clicking on it and you're saying hey what's this guy talk about I click so you don't have to so let's dive right into it Oh as always if you like what you see here don't forget to subscribe subscribe down below so one of my my subscribers email me this from Motley Fool but my man Shawn Williams here the social security this social security move makes more sense now that nearly has in a decade you can read it as all three ways saying is because more people are working now making more of money it's probably makes sense to delay taking Social Security and then filing form SSA 521 to repay the benefits back that you can do if you only file twelve months ago so eventually you can brief you get if you filed and it's been within the metal next twelve months you can basically pay back Social Security for the benefits you received and basically do what this guy calls a mulligan and I that makes complete sense because now there's more of a chance that you can get a decent job with the unemployment numbers being so low and the economy kind of taken off here so makes sense a little bit of click baby ish but yeah I get it I get the argument here and so there's my fire alarm if you have fire alarms and you have a sledgehammer you know exactly or smoke detector you know exactly how I feel all right so let's so but as always with fool.com you get this little clickbait here the sixteen thousand seven $28.00 so scary bonus most retirees completely overlooked if you're like most Americans you're a few years or more behind on your retirement savings but a handful little-known Social Security secrets can help you ensure a boost in your retirement income for example one easy trick could pay you as much as six thousand seven hundred twenty eight a year or more once you learn how to maximize your benefits we think you could retire confidently with peace of mind we're after simply click here discover these more to discover these strategies so we'll go ahead and click there and what it should happen is a sign up I've got me in there cuz I just did right Yeah right here so you saw you answer your email address right here so there's what's called squeeze page landing page I can't believe this was sixteen thousand seven or twenty-eight Social Security bonus was so easy uncover a handful little-known secrets baba bus so you enter your email address he clicked continue and then you're gonna get this page right here and this I don't like actually this is a an offer to sign up for their newsletter and the reason I like is because look I mean they're just saying click here to discover so you click there to discover then you click here and you're not discovering they don't discover what the trick is and the trick is simple just a delay taking Social Security or seven years old you actually got sign up for their newsletter and you know you get 30 days free let's see they offer a awesome scriptures are backed by a 30 day one hunt membership feed back guarantee uncover a handful but it doesn't say anything about what the secret is I just I don't like that so here you go to this this is a landing page this called the squeeze page where you get you got to put your information in there and so they can contact you and trust me I have received let's see how many emails I've got from them since I signed up let me hold on just a second I've got their me just one second go here we go one two I've got three was a three three two emails at one 749 one at 6:49 what time is it now is 946 so I've got to I think I already deleted well I've got three emails I believe since I signed up for this at 6:30 essentially 49 and here it says 940 might be getting one here in just a few minutes actually at the for that so they have a setup or the autoresponder it looks like every hour for two emails the second email says your you were on so the first was how to get more money from Social Security hey fool welcome bah-bah-bah the second one says you were on your way to making a great financial decision bah-bah-bah yeah whatever I just I mean you come over so you give in your email but then you don't get anything you get it here you're now just one click away from claiming your copy of a brand new report money for a lifetime several subsets seven simple steps of getting the most of your social security here's exactly how it works after fill out the secure order form you'll is a formula in service leader receive your digital copy of the report baba BA rule II retirement buy this guy Robert broke camp CFP how to build portfolio will last whether to purchase an annuity take advantage of certain tax loopholes and 25 ways to save money slash your bills which is $29 free seven costing mistakes that retirees make but I don't want all of that I just want the thing out Social Security anyway so that's that's frustrating I just find that to be a little bit disingenuous frankly and look I don't mind a squeeze page here I mean I have one of my own website where you got to sign up to get my book and I would give you my book if I could find it right here the PDF version but completely free I always gotta do is put your email your first name in your state now give it to you don't have to do another page to sign up for a newsletter I just find that disingenuous and I don't like it it's just it makes me a little bit disappointed in The Motley Fool let's just put that way they don't look what they should do they should say look sign up right here and here's the report that's simple and then they can email you as much they want you can unsubscribe which I'm going to do now that's what they should do but they don't do that they have to get you to try to buy their newsletter and get all the stuff for free and I just it's not for me so that the other day what the strategy is is that if you retire at give a perfect example say you're a PIAA is 2,000 alright and then you're going to wait until you take Social Security has 70 your your amount would be thirty three hundred so if your P a primary insurance amount is 2,000 and you're going to wait till you're 70 you get 3,300 because you get the delayed earnings credits you get 1,300 more a month times that by 12 and lo and behold we have fifteen thousand six hundred dollars of increased benefits now they're saying sixteen thousand seven twenty eight because they're probably adjusting with cost-of-living adjustments inflation has pretty simple stuff there I can almost guarantee you that's what it is they're saying don't take that 66 your full retirement age take it at seventy to get to later earnings credits you'll get another 32% more when you have a cost-of-living adjustment of 32.6% you get sixteen thousand seven hundred twenty eight more a year right that's that's ultimately what it is I hope you don't sign up for the newsletter based on that if you want to sign up for the newsletter because you like these guys that's fine but just watch out and look I like to fool for what they were I think the right good stuff I think Shawn blooms I've talked about him a couple times on the YouTube channel but at the end of the day I just don't like that so I hope this helps let me go fix my stupid smoke alarm and I got you know I keep a spare batteries of for Costco I probably about twenty four 9-volt batteries so I got tons of them in there just for some ungodly reason the system wants to kill me I remember one time I woke up at 4 cot was at two o'clock the morning I got four kids now this is when they're even younger that sucker was going off going off and going off so I even took some duct tape back because I kept changed the battery kept going going off going off so it took some duct tape I cover it up and everything and then it kept cause of what is going on and I mean I was I was losing my mind and then lo and behold it wasn't the smoke alarm that is because I've been up there 20,000 times as brings right here I had a carbon monoxide detector that I guess the power went out or something like that and so basically didn't reconnect when the power kicked back on so it was whew it was bad and I mean for like two days I said they're thinking I'm going to kill not literally kill myself folks but I'm going to jump off a bridge slice my wrists jump off a bridge into a pool of starving sharks because that would be better than half a deal with a freaking fire a smoke detector going off at 3 o'clock no more at all goes off in the morning except for today thankfully he's going off the Hat in the morning it always goes off early in the morning late at night but today was that was at 7 o'clock so it was fine which is amazing to me so I guess the smoke alarm was just playing with me during the day anyway so I finally I have smoke carbon monoxide detector and for like two days that was just plumbing so I can't believe this isn't working good times so if you're an entrepreneur on secondly if you look at a smoke detector is white and although the writing is in white - so you can't read it if you're sitting there you're looking up at it cuz you're on a ladder you guys say what does it say to do because the writing is in white on the white background make the writing in black for heaven's sake my friends I'm telling you right now if you're an entrepreneur if you devise a wonderful way for a smoke detector you will be a wealthy person I'm telling you right now it's not just me who has this issue with these stupid smoke detectors it's everybody design a smoke detector that can tell you exactly which one is wrong how to replace a battery will quick because I've literally replaced like four batteries on different ones here today and you will be a wealthy wealthy human being guaranteed that is your entrepreneur tip for the day we'll see you next time don't forget to subscribe down below the blog heritage wealth planning com comments always welcome and don't forget the thumbs up - we'll see you next time thanks guys