“The biggest mistake most people make is they spend a lot more time planning for their vacation than they do their Social Security,” Matthew Allen, co-founder of Social Security Advisors, said during a recent ENGAGE session. “If you spend some time planning Social Security, you’ll be in a situation where you can take a lot more vacations.” Allen said there are more than 2,700 Social Security rules, resulting in married couples having more than 9,000 paths from which to choose. Family dynamics are central to an abundance of Social Security rules, and for uninformed applicants, mistakes when applying for benefits can lead to some serious missed opportunities. But he did offer one rule for married couples who want to have one spouse claim Social Security benefits early.