 and the one wrong move that you make could end up needlessly costing you hundreds of thousands of dollars in retirement lifetime income so when you file for Social Security there's gotta be a short list of things that you look at that are crucial for you that you can ignore this includes how filing impacts the taxes on your benefits the taxes on your IRA and 401k withdrawals taxes on your other investment income your spousal benefits Medicare premiums plus so much more and if you ignore any of these things