The Financial Harmony™ Podcast
The Financial Harmony™ Podcast with Dr. Preston Cherry blends real financial strategy, retirement planning, and money psychology for people who want clarity without chaos. Hosted by Dr. Cherry, CFP®, Ph.D., and financial therapist, the show delivers grounded insights on investing, taxes, and aligning money with life.
Each week, Dr. Cherry shares clear, grounded insights on retirement planning, investing, tax strategy, and decision-making, alongside honest conversations about money behavior, identity, and well-being.
This show helps you reduce financial stress, make confident decisions, and align your money with the life you want to live. You’ll learn how to invest smarter, spend without guilt, and build wealth that reflects your values, not just your numbers.
No finance-bro energy.
No rage-based hot takes.
No performative advice.
Just calm authority, psychological insight, and real financial guidance for navigating markets, transitions, and life with intention.
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Live your wealth, your way.
The Financial Harmony™ Podcast
Why Smart Retirees Claim Social Security at 62 (Not 70)
Ready for a personalized plan? Book your FREE retirement readiness call 👉 https://www.concurrentfp.com/
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Is “wait until 70” always best? Not for every Gen Xer. In this episode, Dr. Preston Cherry (Financial Planning Ph.D., CFP®, Top 10 Investopedia Advisor, Founder of Concurrent Wealth Management) breaks down 3 smart reasons Gen X might want to claim Social Security at 62 - and when it doesn’t make sense. You’ll see how early benefits can protect your portfolio, reduce stress, and align income with the life you actually want to live.
This isn’t about chasing a perfect number. It’s about aligning your life and your money - so you can live your wealth, your way.
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What You’ll Learn in This Video
âś… The 3 smart reasons to consider claiming at 62
✅ Why break-even age isn’t the only metric that matters
âś… How early Social Security can reduce sequence-of-returns risk and smooth withdrawals
âś… A simple spouse strategy: lower earner early, higher earner later for a stronger survivor benefit
✅ Key guardrails if you’re still working (Earnings Test), plus taxes on benefits and basic IRMAA timing awareness
âś… How to fit Social Security into an overall retirement income plan (Roth, brokerage, IRA/RMDs)
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Who Is This Video For?
đź“Ś Those weighing early retirement or partial work
đź“Ś Couples coordinating benefits and survivor income
đź“Ś DIY investors who want a clear, values-first income plan
đź“Ś Professionals seeking flexibility, not one-size-fits-all rules
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Ready for a personalized plan? 👉 Book your FREE retirement readiness call: https://www.concurrentfp.com/
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YouTube: @DrPrestonCherry
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