The age at which you begin taking Social Security can make or break retirement, but it's not always easy to decide when to file. Some experts swear by delaying benefits to maximize your monthly payments, while others highly recommend filing earlier.

In reality, there's no single best age for everyone to begin claiming. Some retirees really are better off waiting, yet filing early can also be a smarter move in some situations.

Fortunately, there is a relatively straightforward way to determine the best age for you, and it involves this one simple question: How much will you be relying on your benefits in retirement?

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Source Fool.com