Senior editor Eileen Ambrose rejoins the show to tell you the best time to take Social Security in order to maximize your benefits (hint: 96% of you have gotten it wrong). Sandy and Ryan chat about ways to save on keeping cool amid a summer heat wave, and a new edition of Deal or No Deal touches on loyalty programs and restaurant weeks.   --LINKS-- What you must know about home cooling bills: https://www.kiplinger.com/article/real-estate/T063-C000-S002-6-things-you-must-know-about-home-cooling-bills.html; Social Security: Now or Later?: https://www.kiplinger.com/article/retirement/T051-C000-S002-social-security-now-or-later.html; Social Security timing is part of a larger plan: https://www.kiplinger.com/article/retirement/T051-C032-S014-social-security-timing-is-part-of-larger-plan.html; Maximize your travel perks: https://www.kiplinger.com/article/spending/T059-C000-S002-maximize-your-travel-perks.html; Save on your next restaurant meal: https://www.kiplinger.com/article/spending/T062-C011-S002-3-ways-to-save-on-restaurant-meals.html