No. of Recommendations: 1
I apologize; there is a way to look at this financially. For $11k now you get $1700 / month @ age 55 versus not paying the $11k and being required to wait to age 60 to collect the same $1700 prer month.

Thus, the present value of $1700 / month for 5 years is @pv(1700*12,.08,5) = $81,400. $11,000 invested @ 8% for 12 years is $27,700; therefore buying the years is clearly worth it putting aside the fact that you will be required to work 5 year less.


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