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Episode 4: Many people hear the term “full retirement age” but aren’t exactly sure what it means or why it matters. That uncertainty can make other Social Security rules — like early or delayed benefits — feel more confusing than they need to be. In this video, we explain what full retirement age actually is, why it exists in the Social Security system, and how it affects benefit calculations and certain rules. The focus is on understanding the role this age plays, not on deciding when anyone should claim benefits. When full retirement age is understood as a reference point rather than a recommendation, Social Security becomes much easier to follow. Clarity around this concept helps reduce pressure and provides a stable foundation for future decisions. This video is part of the Understanding Social Security Without Panic series from Clear Social Security, created to explain Social Security calmly, clearly, and without urgency. #socialsecurity #retirementbenefits #socialsecuritybasics