These 3 decisions could really come back to bite you in retirement

No matter what you see yourself doing during retirement, your goal is to no doubt ensure that you're financially secure throughout your senior years. But the wrong choices on your part could result in the opposite happening. Here are three decisions that may end up backfiring on you in a very serious way.

1. Claiming Social Security early

You're entitled to your full Social Security benefit based on your personal wage history once you reach full retirement age, or FRA. FRA is either age 66, 67, or somewhere in between, depending on what year you were born in.

You're allowed to sign up for Social Security starting at age 62, but for each month you file ahead of FRA – which is what we mean when we talk about filing early – those benefits will take a hit. And that could put you in a tough position later in life, especially if your nest egg runs out of money and you're forced to manage your expenses on Social Security alone.

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