Many people who file for Social Security truly need the money to make ends meet because they have no other income. And some recipients have other income sources at their disposal but still rely pretty heavily on Social Security to pay their expenses.

But what if you're in a different situation? It may be that you've saved so well for retirement and invested in such a savvy manner that you're now sitting on millions of dollars, to the point where any income you get from Social Security is apt to be pretty negligible.

In that case, you might assume that it doesn't matter when you file for benefits. But actually, it still pays to put some thought into that decision.

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Source Fool.com