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How the heck do you decide when to take social security? While it would be nice to have that extra income now, we really don't need it. My spouse is older and has been taking social security for a while now, so we get that SS check already. We have income from rental houses, and have some back-up cash if we do extra travelling or do extra home projects. We would like to leave as much as possible in the stock market, but possibly in the next 5 years might need to take slight funds out of the market. I have always heard that if you don't need the social security money to live on, you should not take it until required to do so. To me, that is a difference of about 5 years.

So... I went online to SS.gov and tried to get a statement of what my check would be so I could do some math. It would not allow me to login because (for security reasons) I have frozen our credit reports. So, I called the SS people and they said the login will not work if I have frozen my credit reports. To have my credit un-frozen, it costs $10 with each of the 3 credit bureaus, so a total of $30. What a silly scenario! We pretty much don't need any loans, etc., so we leave our credit frozen most of the time. I just couldn't believe the SS website would not work with my login, because they could not access my credit reports.

Anyway, any thoughts on when to take SS would be appreciated.

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