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Subject:  Re: Start taking from savings or file for early Date:  6/12/2004  10:20 AM
Author:  Blackduff Number:  41203 of 88418

Collecting the benefits early has another down side. If she decides to apply, she'll be penalized if she works until she's 65 years old. On the other side, she could work for Walmart or someplace like this, she'll get to keep her salary.

This is certainly a factor to remember.

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