At 65 years old, Lloyd thought he was doing everything right. He was retired, his house was paid off, and he had $220,000 tucked away in his 401(k). But as the reality of daily expenses started chipping away at his nest egg, he called into "The Ramsey Show" with a simple question: should he start taking Social Security now and give his savings a break? "I'm 65 years old, be 66 in four months. I'm retired and right now I'm living off of my 401(k), and I wonder would I be better off to go ahead and start d ...