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Hi Ray, Interestingly enough, my spreadsheet also came to the same conclusion... 62 is definitely the answer from my analysis.

If you assume that your investments will benefit (not removing this monthly amount from your account)by drawing social security early. Then even with a modest annual return estimate you are much better off.

I agree completely. Brian

P.S. If you are unfortunate and don't live long after retirement, at least you got some money from social security.
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