Jan 27, 2020
1:27:42am
1:27:42am
Obviously, waiting to start SS as long as you can is best for
maximum monthly income but them you have to use other income while you wait. I retired at 62 but started SS at 65. My "full payout" age was 66. Given my circumstances it worked out fine, but I sometimes think I should have waited longer. I could have taken out some of my retirement savings early to hold off on SS, and perhaps I should have. Waiting seems better if you expect to live long while starting sooner seems better if you don't.
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I’ve been working for 10 years, maxing my employer match and never putting less than 10% into a 401k. I contributed to
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