I agonized on when to take Social Security. This book provided an epiphany for me. Chapter 5 is one of the most valuable chapters I have ever read. Intro to each chapter and bullit points at end of each chapter says it all. Easy to read. Only necessary to read applicable chapters. The book is a bargain at any price. I borrowed it from the library, but bought a copy for my banker who was about to make the mistake of taking social security at the wrong time.