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I haven't decided yet. I will turn 62 next month and have not yet filed, so I will not start right at 62. I want to see how some other moving parts play out before I apply. Because my wife will not be eligible due to government pension offset, spousal benefits is one less moving part.

We are paying down our mortgage and the note on our motorhome. We both have government pensions, hers COLA'd, and mine not. We have started converting some of our TIRAs to Roths to minimize RMDs and hedge against tax rate movements.

After we get the debt paid off, I'll see where we stand income and tax bracket-wise and be better able to make an informed decision. Of course, if Congress threatens to penalize the wait, I'll probably apply earlier.

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