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I have noticed while playing around with FIRECalc ( that if I enter my social security payments as additional income in the appropriate future years, then calculate (using Investigate) my spending level for 100% success rate over 40 years, I end up with a higher number taking SS at age 62 instead of waiting for age 70.

I am seeing this for leaving my portfolio at the default Total Market setting, or playing around with it under the mixed portfolio setting, but I certainly haven't tried everything. My guess is if I make the portfolio really conservative then I'll get a different result.

This indicates to me that it's a better idea to take SS payments earlier rather than later. Usually I've been hearing the opposite advice,and waiting for a higher payment is my natural inclination. Anybody have any informed observations on this subject? Anybody seeing anything different using this or other data-based simulators?

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