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I started drawing benefits at 66 years, 8 months; took the "unclaimed" months as a monthly benefit increase rather than a lump-sum, would have "stayed out" a little longer if my employment prospects had been a bit better
65.. because thankfully I will get a pension that, like SS, increases the longer I wait to start it.
I am using SS payments to pay fed. taxes on Roth conversions.
Sent my application in just 2 days ago and got a confirmation it is in process. My birthday is next month, I will be 62.
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