Trade wages that cover living expenses let retirement accounts stay invested longer, compounding gains alongside a larger future Social Security check. He is too young for Medicare, too young for Social Security, and too unsettled to sit at home. The calmer, more valuable prize is what those wages might let him do with Social Security. The Real Payoff Is Time, Not the Trade ItselfHe could file for Social Security the moment he turns 62. Social Security credits COLAs even before benefits begin, and the larger delayed check becomes the base for future increases.