<good idea to defer taking Social Security until you are 65.>I would have to take issue with this suggestion.If you defer SS until age 65, you will leave 72K on the table, so to speak. It would seem that your financial situation would allow you to take early SS (at the lower rate) and invest those monies. Then at age 65 the income produced by the 72K plus your 62 retirement benefit would probably be equal to what you would receive at age 65, with the added benefit being, you would still have the 72K working for you (forever).Incidentally, this is exactly what I did and it worked like a charm for me.Just my thoughts, good fortune to you.Sam
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