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What will you do for living costs? It seems you either spend the SS on living costs and leave your investments alone or you cash out on some of your investments for living costs and invest the SS. Seems like a zero sum result.


I think you miss my point. If you need the money you take SS early. But if you don't need it, which is better, getting the 8% that Murph says you get from leaving it alone or investing it yourself in the hope of a CAGR higher than the 8% SS gives you. Murph is OK with the 8%.

I'm not saying which is better, only that until now the issue had not been raised. But it is not a zero sum game at all. You can invest better or worse than 8%.

Denny Schlesinger
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