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I have seen some calculations (presuming that you didn't lose benefits from making too much) that showed that your breakeven point was 15 years down the road (don't remember the investing assumptions which are obviously crucial). When I reach 62 (and the normal retirement age is 66), I intend to go ahead and take the benefits immediately (bird in hand). I have noticed that my expected monthly benefit keeps dropping every time I get an estimated benefits statments from Social Security and I would something for all the money I have thrown into it.
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