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At what age did you file, its sneaking up on me.

The later you file the more you will make. People try to do this mumbo jumbo about taking a smaller amount but getting it earlier, but to me, the more you get, in the end, the easier things will go for you. That may mean 66+ what ever the magic number is for you. Even 70 YO you get more. Go down and talk to them. You say it's creeping up I'm not sure what that means to you. Some people are tied to a certain age for a pension or retirement. Everything you can get is good.

I retired at 61 and started SS at 66 which was my full retirement age. Everyone has a different situation.

The year after I turned 70.5

Compare 62 to 66. At 66 you get more but look at how much you didn't get between 62 and 66. Last time I checked the figures, if you waited until 66 you'd have to live to 80 to recover what you didn't get during those years.

I have never considered it in my retirement plans. I am 56 so I shall see,

Do the arithmetic. ,determine the break even age in dollars. If you expect to live longer than the break even point,delay your application.


I drew at 62, the earliest time possible and have to draw to 78 to s"break even".

You’re such an arrogant dick.

Thats why my folks started as soon as they could.

Indeed.

If there is a chance you will be working as a senior, forget about taking it until you are +66 or you will be penalized if you earn too much. If waiting until your full social security date you can earn as much as you want without penalty.

Another tip, if you keep working full time as a senior don't roll your 401k into an IRA. When working full time after age 70 1/2 you can keep all of it in your 401k, but money in an IRA will be subjected to mandatory withdrawals according to the IRS formula.

Smartest post you’ve ever made. Your sig line Is the definition of irony.

I started mine at 62. Glad I did. Had a very good friend 5 years older than me who waited until he was 65 to draw his. He unexpectedly died about 2 1/2 months later. I fully expected for him to attend my funeral instead of me attending his. Three months later, I attended his father's funeral. He was almost 100. His mother is still alive. She is in her mid to late 90s now.

My wife started hers are 63, I am planning for it at 67 so for me another 3 years

Depends on your situation, are you still working? I am 63 and still working at a good paying job. If I took Social Security now I would not get a dime. The longer you can wait the more you will get. It is a trade off, how long will you live to collect? I will wait until I retire from my present job, trying to maximize my payout. If health decides I retire sooner then I will file for Social Security right away.

sign up https://www.ssa.gov/myaccount/
and view your benefit at different years.

The real question is would you rather get a little now, or more later. If you don't need it why rush. I can tell you for a fact, you will appreciate the more money later. Prices rise over time, but SS doesn't.

You should do comedy. Really.

Coming from a professional azzhole, I’ll take that for what it’s worth.

My ss has been adjusted for "inflation" but not near enough