Key Points It's possible to undo a decision to take Social Security -- if you act soon enough. To claim benefits strategically, be sure you coordinate your timing with your spouse. Delaying the date when you file will pay off with bigger monthly checks, but that's not the only thing to consider. The $23,760 Social Security bonus most retirees completely overlook › It's important to do your best to save and invest diligently for retirement so you don't end up too heavily reliant on Social Securi ...