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My case - age 61, doing ok without right now. In my family tree, males croak early (heart ), women live long - late eighties.
1. Take the money early and roll the dice - DRIP dividend stocks.
2. Spent more as needed from what we have now - and hold SS in reserve until 70 - possibly leaving money on the table.
The male biological imperative leans toward 1. above - but will be playing with the numbers right up to the first deadline - july 2005.
3. Darkhorse - DCA my SS into balanced index - and spend as needed.
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