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>> For a high-income SS recipient, there's about a $20,000 advantage taking SS at 62 and doing a Withdrawal of Application at age 70 -- even when you ignore the mortality risk that if you wait until age 70 and die at 69-1/2, you've lost over $100,000. Only you can decide if your personal ouiji board is reliable enough to forgo that and bet that waiting until age 70 to collect is the optimal decision. <<

It is the "sudden death" concern as well as the potential for changes in eligibility/benefits for people not yet collecting which have me convinced that I want to collect as soon as I'm eligible. The ability to save everything I've collected and pay it back at 69 if I'm still healthy in exchange for much bigger future checks is merely a bonus.

There is something to be said about the bird in hand over the two in the bush -- especially when it comes to Social Security as it is today.

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