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I read somewhere recently, either online or in a financial mag, that it depends on your gender and whether or not you are married, and if your spouse worked.

My opinion, if you need it at 62, take it. If you don't, wait. You don't get to pass it to your heirs.

The article recommended that married men wait and that married woman take it early (I think, I could have that backwards) as that men typically die earlier and the wife can have his SS payment, which would be higher, at his death.
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