Financial expert Dave Ramsey advocates for claiming Social Security benefits as early as age 62, provided the funds are invested, contrary to most experts' recommendations. Meanwhile, a survey reveals that 53% of Americans would support reducing Social Security benefits for high earners as a potential solution to the program's looming insolvency crisis, which could hit by the mid-2030s. Critics argue that benefit cuts could undermine trust in the system and lead to broader reductions over time. Additionally, as Social Security approaches its 90th anniversary, calls for comprehensive reform are increasing, emphasizing the need for bipartisan solutions. Many financial studies suggest that waiting until age 70 to claim benefits maximizes lifetime income, yet a significant proportion of retirees opt to claim benefits earlier, risking substantial long-term losses. As the Social Security Trust Fund faces potential exhaustion by 2033, the urgency for reform and public awareness grows.