Certified financial planner practitioner Joe Bert says the most common mistake people make in retirement planning is taking Social Security too early. 

His number 1 rule? Don’t take it because you fear it might not be there tomorrow. If you’re a Boomer, it will still be there. 

Once that myth is expelled, he breaks down the costs of taking benefits early, particularly if you plan on working in your 60s. 

Plus, he reveals the dramatic difference in benefits between taking Social Security at 62 rather than waiting until 70.