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Take some arbitrary age, say 85, and figure out how much you will draw from 66 to 85 if you wait until FRA. Then figure how much you will draw from 62 to 85 if you take it now.
I did mine back in 2003 and the difference was about $33,000. Not enough to keep me from starting to draw at 62. We figured my wife's this year and it was about the same also..
Then there is always the possibility that you kick off earlier and loose all that anyway .
