I am also 64, and I just filed for s.s. and have gotten my first check.and I love it!!!!but that is my situation...things had changed at work so much, I hated going to work, just hated it, and decided, the stress of this is not worth the money I make....my fall back resources are like ziltch...very little compared to yours and I will probably have to get some lil mickey mouse job to tide me over in days to come..couple days a week type of thing....maybe...and I draw so little, because I've only worked at mickey mouse jobs, that pay very little...I am so busy now, that I keep asking myself...how did I ever have time to work before????But if you are one that is just lost without a job...because you have worked all your life, etc etc...alot of people feel that way... they have worked all their lives...for 40-50 years, and then boom, they retire and all of a sudden, they have nothing to do, their whole lives have been centered aorund that job...vacations, dr appts, car oil changes etc...and all of a sudden that regimented schedule disappears..beleive it or not, that is hard on you system...winding down slowly is much better, but we don't usually get a choic on such matters...its one thing to say "oh, I retire in 2 weeks" its another thing when all of a sudden it h appens...and your not really ready for it.... if you are lost, with nothing to do, did you ever consider volunteer work???? (just a suggestion) I've heard it is quite rewarding...there are many more experts that can state the financial options for you, the only comment that I can make on it is...A finanacial planner once told a group of us....That continuing working those extra years, to make sure one gets the full amount of s.s., one pays out X # of dollars in taxes in those years, that to recover that amount from the full s.s. benefit, would take you...so many years...now I don't remember the details or amounts...and if he was talking about the taxes ones pays for fed, state, etc, or if he was just commenting on the taxes paid to s.s.....I do remember it was quite a # of years...
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