Egoitz Bengoetxea Iguaran from Getty Images and JJ Gouin from Getty Images Quick Read Ramsey advises claiming Social Security at 62 and investing it instead of waiting for larger benefits at 70. Delaying from 62 to 70 increases a $2,000 monthly benefit to$2,480 with no market risk. Most retirees need Social Security income for expenses and lack discipline to invest every dollar. A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, ...