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There was a discussion on another forum several years ago and the theory was that if you wanted to leave an inheritance, take SS early. If you wanted to maximize income, take it later.

I've actually heard it was more of the opposite. Take SS earlier if you need the money, but take it later if you want to leave something for the family.

I'm still a few years away, and so need to look at actual numbers in my situation. I had been leaning towards taking it at full retirement age, but after Ray's note, I'm thinking that taking it at 62 may be a better choice.

As I say, I need to look at the real numbers for my own situation to see what makes the most sense for us.
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