Turning 65 and thinking about retiring and claiming Social Security? Depending on your budget and means, you might want to hold off. That's because your monthly Social Security benefit may be higher for you – and,

The full retirement age to collect Social Security benefits has once again shifted, meaning Americans born in 1960 who want to receive full benefits will have to keep working until they reach 67 years old.

Raising the retirement age is on the table as Social Security faces funding shortfalls, pushing Americans to work longer and rethink savings.