I have almost the same questions.
I was thinking of creating a spreadsheet to compare my earnings vs. SS benefits if I take them early and put them in a bank or invest ment, vs. waiting for full benefits and then putting them in the bank or investment.................
Does anyone know if there is one already created anywhere?........
that’s what I’m trying to do but the variety of answers I got from social security have me concerned. If I lose them and don’t get them back at some point, there is no sense in taking benefits early.
If I do get them back, it’ll be about $32k more in the savings account.
Does the chart Thomas Thomas posted help?
http://www.freerepublic.com/focus/chat/3669896/posts?page=26#26