>>can't pull down on social security/ pension until age 65-67.Why wouldn't you draw your Social Security at 62? Investment and retirement income isn't counted--only earned income, and if you're self-employed, only the Net amount. Even if you can't get all 12 months of Social Security because you're making too much money, take what checks you can get and stick 'em in the bank to earn MORE money--the kind that won't count against next year's Social Security. Unless you're Warren Buffet or Bill Gates, waiting until full retirement age "just because" is not usually a good idea.CarolD.
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