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I started my SS at age 62. My wife (7 months younger) took hers at 62, too. We chuckle about the two "paydays" because my payments automatically hit our checking account on the 2nd Wednesday of each month and hers do so on the 4th Wednesday.

Yes, starting SS at 62 means reduction, but we wanted and needed it and it made sense in our calculations. Do what works for you.

Check with Social Security to get the facts. You can do that on line or by calling or visiting your Social Security Administration offices. Do NOT depend on rumors or "I heard X..."

Her own SS would have been very little, so she took advantage of the "spouse" benefit. She receives approximately 50 percent of what I get, now reduced at 65 because of the $88 or so taken out for Medicare Part B payments.

Good luck.

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