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X100 what Dave just said. #1 you never know when you'll wake up some day and have a major health setback. I've looked my Birth Certificate over and over and have yet to find a guarantee of life date. I don't understand people waiting till past 66 or on to 70+ to collect SS. Put pen to paper and see when the break even point is by drawing earlier. Granted you'll draw more per month by waiting, but by drawing early at a reduced monthly rate you'll be receiving $$$ for several years at a point in life where you can put it to good use. In my case ... drawing at 62 instead of waiting till 66+2 months gives me 4 years of money I'd never had received. Doing the math ... comparing total payments ... I'll be 74 years old before it will matter if I had waited till 66+2 mts. Like said ... some keep on keeping on for a long time ... some bog down early. I see a lot more bogged down than I do keep on keeping on in my circle of acquaintances.
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