I'm not totally up on Social Security, but don't they get a lot less in terms of payment if the retire now instead of at 65? Why not hang in there - keep working - so they can get the bigger payout. In the meantime they can try to scale back, adjust and see if they CAN live on $30K - $35K a year.They can't fund a retirement for two for what could be 20 or more years to come (hopefully!) on $200K. It just can't be done.
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