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intercst: "Harvard researcher tries to explain the "Bird in the Hand" Social Security claiming strategy that defies arithmetic and leaves $100,000 on the table.

Social Security Claiming and the Annuity Puzzle

Most early claimers in the Health and Retirement Study had sufficient liquidity to delay Social Security longer than they actually did . . .

Translation: "People be crazy".

Or, many people need their SS early because of insufficient other assets, contrary to the assert of most early claimers. . . .

Regards, JAFO
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