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Not sure what you meant by double count.

Basic scenario, retire at 62 with or without immediate SSA.

Let's say at 62, I start recieving SSA payments of $16K each year.

I get those payments for 4 years (62 - 65). I have been "given" $64,000.

If I wait until 66 to get SSA, I will have had to draw down my savings by $64,000 to live on because I did not get from SSA.

The net result is taking SSA at 62, leaves money in your IRA/401K/savings.

Of course, continuing to work from 62 to 66 changes all the numbers.

Hope that explains my point.

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