Greetings, Boater99, and welcome. You asked:Has anyone calculated the rate of return by waiting for normal retirement benefits? It seems to me that I only need to make around 5% on early payments to come out ahead. See my article "Take Social Security at 62?" at http://www.fool.com/retirement/retireeport/2000/retireeport000313.htm.Regards..Pixy
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