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My husband signed up for SS retirement benefits yesterday, and the CSR was puzzled about why he wanted to start 4 months after retirement and tried to persuade us to do it retroactively to last December, when he retired. "That's $6,000 you're leaving on the table!" But it's also another $40/month for life. If I did the math correctly, pay back in 12.5 years when the hubster is 78 [6000/(40x12)]. old were you when you started collecting Social Security retirement benefits? You can also answer if you're close enough to be pretty certain about when you'll apply (e.g., you're 57 and plan to start at 62, or 64 and plan to start at 68).

If you took a spousal benefit before your earned benefit, go with the age at spousal benefit, which is earlier.

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