A Fruitful Retirement: Social Security Benefit Taking your Social Security benefits at the right time may help maximize your benefit. Share | Related Content Dreaming Up an Active Retirement When you retire, how will you treat your next chapter? Should You Borrow from Your 401(k)? Does it make sense to borrow from my 401(k) to pay off debt or to make a major purchase? My Retirement Savings Estimate how long your retirement savings may last using various monthly cash flow rates.