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So it's official, I made it and am eligible to start collecting Social Security benefits albeit a reduced age 62 benefit. This I shall not do at this time. I hope to cross other age milestone lines in my gracefully aging sand, God willing, in my years ahead.
I started Collecting SS at 62 and never regretted it one second. After all you don't have to work anymore. I have hobbies and interests. I read somewhere if I make it to age 80 then I will have gotten the same amount of money from SS than if I had waited to 66 my full benefit age.
Each age "graduation" brings us closer to a secure retirement. I remember being excited at 59 1/2 because I could then tap my 403b without a penalty. Each age mark gives us more choices. I say this as 64 is approaching for me (nothing special about it, except it's closer to Medicare).
I'm now less than 10 years from 62. I will however wait until I have maxed out my SS monthly draw, unless I am forcibly retired either by corporate fiat or poor health.
Stay on top of your affairs. If there is a dramatic decline in your health, you may want to elect taking as early as possible.
If I experienced a dramatic decline in my health signing up for SS would not be one of my worries.
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