SecondCor521
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
I wasn't refering to an actual discout rate. For me it it utility. For DW and I, all SS money's will be discretionary. I have many more choices in what to do with those dicretionary dollars up to age 82 (break even point between taking at 62 or 70). If a person makes more lifetime SS dollars starting at age 82, I don't care. My experience and statistics tell me I will not be spending discretionary $'s after that age. Go-Go, then Go Slow then No-Go years. Feeling that I will not care about a larger SS check when I'm 82. My 82+ year old relatives spent less (discrectionary) by a large % after 82 than they did at 62-80. DW and I are fortunate that we have excess pension $ so will not depend on nor need our SS money. Full disclosure, I plan to take at 65 and I am pushing DW to take at 70. She is 6 years younger.
Right, I get all that.
I think you must not agree with my post #136 and pb4uski's comments mentioned there.
That's OK.