Quote:
Originally Posted by CaptJohn
Ditto for me. I'm going through it now at age 64 since I was just laid off at a university but able to retire at the same time.
https://www.youtube.com/watch?v=h3chFhCP5mQ
At about age 78, whether you start at 62 or 70, will collect about the same total AMOUNT. After that age is where the totals change. If you're going to live forever then wait until 70 to start collecting. If you think you'll make it to 78 or less then start earlier. How active will you be after 78? How much more will you be able to spend? Then there are those like Herv's business partner who just died before age 60 or my first cousin who died last year at age 61 and will not see any. A good crystal ball sure helps! 
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I'm taking mine at 62 Capt. My account said you eill never make it up waiting till 65+ And my sales rep for TV said/ Herv you can;t buy back the years on your life.
They laid me off after 34 years. I'm leaving and not looking back.