If you were born before 1/2/1954 you may be leaving free Social Security money on the table. A once popular Social Security collection strategy called “Claim Now, Claim More Later” was outlawed with the budget act of 2015.

When it comes to retirement, there are plenty of misleading thoughts, opinions and fake news floating around out there. This month, I’d like to clear up some misconceptions that surround the retirement years. With that in mind, let’s jump in.

Picture this—it’s Friday afternoon, your work is done, and you have the weekend ahead of you. But what makes this weekend different than any other weekend is that two-week vacation following it. You wish your colleagues well, they express similar thoughts, and you head toward freedom.