I Asked ChatGPT How I Can Get the Most Social Security, Here’s What It Said

Thinking about Social Security can feel overwhelming. And if you're feeling uncertain about how to make the most of your benefits, you're not alone

In today's day and age, people are turning to all sorts of tools to help get them back on track. That's why I asked ChatGPT for guidance on maximizing Social Security. While it's not a financial advisor, it can provide clear insights in seconds, which is a useful starting point for anyone thinking about planning for retirement.

After all, understanding how to make the most of Social Security could significantly impact your income on a fixed retirement budget. Here's what ChatGPT had to say about maximizing Social Security benefits.

Work at least 35 years

Social Security calculates your benefit based on your highest 35 years of earnings, adjusted for inflation. If you have fewer than 35 years of work, the missing years count as zero, which can lower your average and reduce your monthly check.

ChatGPT noted that even part-time work or short-term higher-earning years later in your career can replace lower-earning years from earlier on, potentially boosting your benefit significantly over time.

Maximize your earnings

Benefits are tied to lifetime earnings up to the Social Security taxable maximum ($176,100 in 2025). ChatGPT explained that higher pay or a few extra high-earning years before retirement can meaningfully increase your monthly check.

Even modest raises or bonus income during your peak earning years may help. While the benefit increase isn't unlimited, strategically maximizing your wages while working could make a noticeable difference over decades.

Delay claiming benefits

While you can start claiming Social Security at 62, claiming before your full retirement age (66 or 67, depending on your birth year) can result in permanent reductions by a small percentage for each month before your full retirement age.

ChatGPT highlighted that delaying benefits past full retirement age earns delayed retirement credits, adding roughly 8% per year up to age 70. For example, a $2,000 monthly benefit at 67 could grow to about $2,480 at 70.

Waiting may not suit everyone, but it often increases lifetime income.

Coordinate with a spouse

Married couples have strategies to maximize combined Social Security income. ChatGPT suggested that one spouse could claim earlier while the other delays to earn a higher benefit.

This approach can protect the higher earner's survivor benefits, which are based on the larger check, helping ensure long-term financial stability.

Timing matters: strategic coordination can make a significant difference, particularly when both spouses have different work histories or retirement goals. Usually, this means that one spouse waits to claim until age 70, resulting in a higher monthly payout.

Mind taxes on your benefits

Up to 85% of your Social Security can be taxable depending on your overall income. ChatGPT noted that careful planning, such as spreading withdrawals from IRAs and pensions, can help reduce your tax burden.

Retirees can maintain more of their monthly Social Security if they keep their income under certain thresholds. Don't let tax considerations be an afterthought, as it can have a huge impact on how much money you actually receive each month.

Track your earnings record

Even one missing or misreported year can cost thousands over time. It's absolutely essential that you keep up with your Social Security statement annually at SSA.gov to make sure that your earnings are recorded correctly.

Correcting errors early can prevent long-term loss (and save you headaches later). Monitoring your earnings can also give you a clearer picture of what to expect when planning for retirement.

Time your retirement year carefully

Because Social Security calculates benefits monthly, the year you claim matters. Working even part of the year before claiming can replace a lower-earning year in your history, slightly increasing your benefit.

ChatGPT emphasized that careful timing, especially in your final working years, could make a small but meaningful difference. This is especially important if you have an irregular work history or expect a late-career earnings spike that could replace older, lower-paying years.

Consider divorce benefits

If you were married for at least 10 years and haven't remarried, you may qualify for up to 50% of an ex-spouse's Social Security benefit. ChatGPT noted that in some cases, this can exceed your own benefit.

These benefits do not subtract from your ex-spouse's check. They only add to your Social Security income. If you fall in this category, it's worth looking into these rules to maximize your Social Security.

Understand the earnings test

If you decide to claim benefits before full retirement age and continue to work, some of your benefits may be withheld if you exceed the annual limit. According to the Social Security Administration, $1 is deducted from your benefits for each $2 you earn above $23,400.

ChatGPT pointed out that withheld amounts aren't lost. They're credited toward future benefits. However, this can impact short-term cash flow. Be aware of this earnings test so you can plan your claiming strategy and work schedule.

Leverage survivor benefits

Widows and widowers may have options to switch between their own benefit and a survivor benefit. ChatGPT noted that following the optimal sequence could maximize lifetime income and add tens of thousands of dollars over decades.

Strategic timing and coordination with a financial plan are key to ensuring you don't leave money on the table, especially if you expect a long life or significant differences between your benefit and the survivor benefit.

Bottom line

Maximizing Social Security is about more than just picking a retirement age. It involves a combination of work history, timing, spousal coordination, and understanding the very specific rules and income tests. Even small adjustments can add meaningful income over time.

ChatGPT, which now has more than 800 million weekly users worldwide, is one of the most popular tools people turn to for quick financial insights. While it can't replace a financial advisor, it offers an accessible way to explore strategies and make informed decisions as you prepare for a stress-free retirement.