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Old 01-19-2015, 12:25 PM   #41
Confused about dryer sheets
Join Date: Oct 2014
Location: Huntsville
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I will FIRE in ten days - 30 January (61, but since I always assumed it would be 65 it is EARLY)! Yes, everyone's situation is different and each must make their own decision. DW and I will take SS at FRE, 66 (birthdays within 30 days of each other). DW was stay-at-home spouse so will get spousal benefit. Running our numbers, wash age between starting at 66 vs. 70 is age 83. I expect the advantage of not drawing on savings from 66 - 70 will more than make up for greater SS total after age 83 (should either/both of us live that long). Of course, I reserve the right to change my mind at any time given changing circumstances or new information!

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Old 01-19-2015, 07:41 PM   #42
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Join Date: Aug 2013
Location: Citizen of Texas
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It's clear that everyone has different circumstances and/or concerns that factors into when they decide to take SS.

I can remember thinking seriously about it in my mid 40's that I would take it at 62. And when I turned 62, I did take it, but the reasons I took it had completely changed. Funny, as I got older, I began to see some things differently. For the DW and I, it was never a concern of having enough money no matter when we were to take it or how long we might live. Now, a few years into it, I'm 100% happy with my decision.

It's pretty much a done deal now but who knows, maybe in another 20 years I may see it differently again.

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