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..... Just another question. Wonder if you recommed taking SS as soon as possible, age wise? We are the 2 women, one 51 the other 55, ......

In researching this you may read that when you start social security is statistically neutral and that the higher benefits for delaying starting is match what you lose by not starting it earlier.

In your situation this is bull-pucky. At the age of 62 a women has a significantly longer life expectancy than a man, but the social security benefit calculations don't take gender into account so a women will get much more of a benefit by delaying the start of social security since she will likely get receive it for many more years than a man would.

Unless there are significant health issues or you absolutely need the money, then most woman who do not have a husbands social security to take into account should wait as long as possible to start social security. This may also allow you to spend down your taxable money and before you start social security which could reduce your taxes on social security.

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