Key Points Immediate financial needs may necessitate an early claim. Longer life expectancy favors delaying benefits. Delayed benefits grow annually, providing a layer of protection against inflation. The $23,760 Social Security bonus most retirees completely overlook › Deciding when it's time to retire is a huge decision, which makes perfect sense. After all, we all have a set number of days, and deciding how to spend them can feel huge. Do you want to retire as soon as you're eligible to collect Social Security at 62, or wait until you're 70? Choosing whether to file for Social Security benefits at 62 versus 70 is not a minor timing tweak. It permanently reshapes your monthly income and lifetime benefits.
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