[aMorePerfectUnion]

Um...I think, as the system works, you’ve already paid for it. You may object to the entire Social Security System, on ideological grounds; I’m just trying, from my own experience, to help people navigate it.

Perhaps I wasn't clear.

I am saying if the difference between claiming early and at full time is just 3%, then if you invest your SS you will come out ahead of waiting.

[Jamestown1630]

I’m sorry if I misunderstood you; but I agree in principle.

I could have waited until 70 - or 72; it’s only 4 to 6 years away. but I figured that I could do more with the money here and now - for myself, my husband, and my other loved ones.

You never know what’s going to happen or how much time you have. And the ‘Great God Government’ is never going to do with your money what YOU might be able to do with it.