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I think he was speaking to a specific case. Do you disagree with him on this case with what was detailed? I'm curious. thanks

Since the OP was specifically talking about the time frame between 58 when he retires and 62 when he collects SS, Ray's comment didn't pertain to this specific case because the OP wasn't planning to delay to age 70. Therefore, I took it as a general comment which he has stated on more than one occasion.

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