Our little S-corp was peaking at about age 65, so we could afford to wait til age 70, which is paying off comfortably now.
I now await some sort of crash.
Yeah, I already had a couple of good pensions; military retirement, and 20 years working at Auburn University, with my veteran’s points, allowed me full retirement under the Retirement Systems of Alabama (RSA), which has a great chief investor making lots of money via investments... Very solvent for a state pension fund...
I used the early SS to pay off a lot of debt.