[albie]

I’m close to getting early SS. What are your thoughts on taking that option as opposed to waiting for the max? I’m in a similar situation as yours. Thank you

[oh8eleven]

My feeling at the time regarding early SS - give it to me now!
   I didn't need the money and after paying into SS since I was 16, I wanted it now, before I kicked the bucket.
I used a lot of that money over the years to help my two sons update their homes, and also started 529 plans (college) for my 4 grandkids. I still put money into them.

[Eagles Field]

I’m close to getting early SS. What are your thoughts on taking that option as opposed to waiting for the max? I’m in a similar situation as yours. Thank you
__________________________________________

I started a post on FR just over a year ago, specifically on that question. Freepers were incredibly gracious and there’s plenty that have had the same question. There was a lot of knowledge in their experience. An overwhelming theme was they did it and didn’t regret it. So I did and I don’t either. But every situation is different. I still work but I cut my hours and I get a small pension. I’ll be 64 in a couple of days. It made sense for me.

[jjotto]

Do the calculations on the SS web site and see how long it will take to break even between collecting early and waiting for the max.