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I think Crosenfield has made a mistake, or at least not been clear. Someone aged 62 who continues to have earned income is subject to the 1 for 2 clawback over the $10,700 limit or whatever it is. This is discussed on the Fool somewhere, I am too lazy to find the numerical example. So someone earning $30,000 will probably see all the SS clawed back. That's the lack of clearness I'm thinking of. Furthermore, I am pretty sure that the 20% reduction for "starting" early is permanent.
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