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When it comes to Social Security (SS), will you be seeking the optimum time to start collecting your benefits
For each year you start before full retirement age, you LOSE about 6.25% in benefits - PERMANENTLY!
For each year you delay past full retirement, you GAIN about 8% in benefits - PERMANENTLY!
If married, you and your spouse have timing options from age 62 to age 70 to claim SS benefits.
How many total options is that? 9 x 9 = 81 !!!