My brother died 4 months after he turned 65. He went in for surgery less than a month after he turned 65 and never came home because of complications after the surgery. He wanted to work until his "full retirement age" so passed on taking it at 62. He was born in 1945 and would have turned 68 the 17th of this month.
My point? Life does not come with a guaranteed expiration date so you may never live long enough to get the maximum. You paid for it, along with you employer(s), so go for it at the earliest possible time.
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Lubbock, TX
Bamberg, Germany
Lawton, OK
Amarillo, TX
The Villages, FL
To quote my dad:
"I never did see a board that didn't have two sides."
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