Born in 1960 You Just Lost a Full Year of Social Security — Here's Why You Can't Retire at 66

🚨 BORN IN 1960? Social Security quietly moved the finish line — and you lost a full year of retirement. If your birth year is 1960, you are part of the first group of Americans who can NOT retire at 66 anymore — no matter what you were told growing up. Your Full Retirement Age is now 67, and that one-year shift can cost you tens of thousands of dollars if you claim at the wrong time. In this video, we expose: ✅ Why people born in 1960 lost a full year of Social Security eligibility ✅ The exact law that raised Full Retirement Age from 66 to 67 ✅ Why claiming at 66 is now considered “early retirement” ✅ How much your monthly benefit is permanently reduced if you claim early ✅ The hidden penalty most people don’t calculate ✅ How survivor benefits are also reduced for spouses ✅ Why this change confuses millions of Americans ✅ What claiming strategies still work if you’re born in 1960 ✅ How to avoid locking in a lifetime reduction ⚠️ This is not a rumor ⚠️ This is not new ⚠️ And Social Security will NOT warn you before you file Once you claim, the reduction is permanent. 🎯 WHAT ACTUALLY CHANGED? If you were born in 1959 or earlier, your Full Retirement Age was 66 and some months. But if you were born in 1960 or later, your FRA is 67 — no exceptions. That one-year delay means: ❌ Lower monthly checks if you retire early ❌ Bigger penalties at 62 and 63 ❌ Reduced survivor benefits for your spouse ❌ Less lifetime income if you don’t plan correctly Most people find out after it’s too late. ⏰ WHY THIS MATTERS RIGHT NOW Many people born in 1960 are: Turning 65 or 66 Planning retirement Talking to friends who retired earlier Assuming the rules are the same They are not. The system changed — quietly. 💡 WHO NEEDS THIS VIDEO? You NEED to watch this if you are: Born in 1960 Planning to retire at 66 Considering Social Security at 62–66 Married or divorced (spousal & survivor impact) Helping a spouse plan benefits This decision affects every check for the rest of your life. ⚠️ DISCLAIMER (IMPORTANT) This video is for educational and informational purposes only. It does not provide personalized financial, legal, or tax advice. Social Security benefits depend on: • Your earnings history • Claiming age • Filing status • Marital and survivor eligibility • Current SSA rules Rules and benefit formulas may change. Before filing for Social Security: • Contact the Social Security Administration at 1-800-772-1213 • Visit ssa.gov • Or consult a qualified financial professional Information is accurate as of 2026, but subject to change. 👍 SUPPORT THE CHANNEL 👍 LIKE if you were surprised by this rule change 💬 COMMENT “1960” if this applies to you 🔔 SUBSCRIBE for weekly Social Security & retirement breakdowns This channel exists to make sure you don’t get blindsided by hidden rules. #BornIn1960 #SocialSecurity1960 #FullRetirementAge #SocialSecurityRules #RetirementPlanning #EarlyRetirementPenalty #SSAUpdates #SocialSecurityBenefits #RetirementMistakes #SocialSecurityExplained