6. No One Else Is Counting On Your Benefits

In case of your death, certain relatives may claim your benefits. Those who are eligible to receive payments from the Social Security Administration are your surviving spouse and your disabled or minor child.

For instance, a surviving spouse can get between 71.5% and 100% of the late spouse’s benefit amount, depending on the age of the surviving spouse. Also, a disabled child is entitled to receive 75% of the deceased parent’s benefit amount.

If there’s no one else who qualifies for benefits based on your work record, you may consider retiring early because no one else is relying on that money. If everything else goes well and you reach the minimum retirement age, consider claiming Social Security early and enjoying life.