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I'm first wave boomer. Retired at fifty on my own well-invested earnings and doing what I want until I get tired of it. My oldest is a home owner because we gave him the down-payment after fully funding his college. Will do the same for his three sisters. Grad school is on them.
I will take SS on the very first day that I am eligible and invest it every month. I expect to live another forty years and I am beginning to relish the thought that some of the x-slackers here will be getting up everyday so I can golf.
I on the other hand am an Xer who is still paying off student loans and paid my own down payment on my house. Same story for most if not all of my friends. I've had jobs since I was 11 years old to pay for my own gas money, my own music lessons, and my own trips.
This is after watching my sister-in-law have to pay for her own darn college because her divorced parents renigged on their promise to pay for hers and after all of us grew up as latchkey kids.
My parents did they best they could with what they had. But that's a load of crap when you people try and paint us as a bunch of lazy slackers.
If you are healthy, why wouldn't you elect to wait until age 67 and take the higher payout? Have you run the numbers?
-ccm