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View Poll Results: When Did You or Are Planning to start Soc Sec?
Age 62, as early as possible 103 22.25%
More than 62 but less than FRA 41 8.86%
Your FRA (65 to 67) 71 15.33%
More than FRA age but less than 70 40 8.64%
Age 70, as late as possible 208 44.92%
Voters: 463. You may not vote on this poll

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Old 03-18-2021, 02:09 PM   #21
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Age 70 plans here. I would likely push it out further to RMD age if allowed with increased benefit. No spouse to consider and 401K/IRA balances to whittle down in the mean time.
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Old 03-18-2021, 02:25 PM   #22
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Somewhere between 68 and 3 months (which Open Social Security said was optimal) and 70. Will likely wait till 70. Turning 66 this year.
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Old 03-18-2021, 02:29 PM   #23
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I said 65-67 but at 56, it's really too early to know with any certainty. It depends how our portfolio performs. It depends how our health holds up as we age. It depends how our post-retirement spending matches up with projections. It depends on health care costs. Etc, etc, etc.
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Old 03-18-2021, 02:39 PM   #24
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Planning on 70 (5 1/2 years) so we can maximize Roth conversions. May reconsider if a health issue pops up.
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Old 03-18-2021, 02:51 PM   #25
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My pension is reduced by the amount of SS payments at the age of 62. So I will start SS at 62 to keep my pension/SS income level from age 62 and on.
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Old 03-18-2021, 02:56 PM   #26
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Originally Posted by Brdofpray View Post
I took my SS as early as possible. My wife, a retired teacher, never participated in SS. She is not eligible to receive benefits. And, if I pass before her, she is not eligible for survivor benefits, on my record, due to her pension, and IRS WEP exclusion.

We decided to take my benefit, and funnel it into our portfolio. In this way she will get a greater benefit if I check out first. So far, this plan is working out very well.
My wife is also a retired teacher. Because she is not eligible for any SS spousal benefit when she retired we took the option of 100% of her pension with 0% survivor benefit to maximize the amount she would receive. I then delayed my SS benefits until 70 to maximize the amount of SS I would receive because I will not get any of her pension. I do not have any pension. We both come from a line of long lived relatives. If I die before her, she will receive some SS survivor benefit that is reduced because of GPO. We also have enough IRA and taxable savings to provide for the surviving spouse.
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Old 03-18-2021, 03:05 PM   #27
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62.

Few men in my family live to 75.

SS + small pension about covers our expenses, so I can invest a little more aggressively and still sleep at night.
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Old 03-18-2021, 03:07 PM   #28
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I'm adopted. Should I ask my mom who my parents are to get my medical history? I've not had any interest in knowing in the past.
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Old 03-18-2021, 03:09 PM   #29
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Between 67-70 and we will decide based on conditions at that time.
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Old 03-18-2021, 03:18 PM   #30
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Planning on 67-70. Probably 70 unless things change a great deal in the next 3 years.
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Old 03-18-2021, 03:48 PM   #31
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70 for me, FRA for DW... she was a SAHM so her PIA is 30% of mine.
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Old 03-18-2021, 03:50 PM   #32
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I'm adopted. Should I ask my mom who my parents are to get my medical history? I've not had any interest in knowing in the past.
I don't think I would do it just for SS determination. Now if you have medical problems or other reasons to find out about biological parents that would be a different issue.
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Old 03-18-2021, 04:22 PM   #33
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DGF already taking hers through disability.
As for me with the management of ACA income and a pension lump sum at 65, the minimum is 66. Hoping to be able to wait until 70.
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Old 03-18-2021, 05:51 PM   #34
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I will start at 62 in 14 months. We adopted a son who will turn 10 on the same day I turn 62. As most know he will get half of my benefit until he graduates high school at 19 (We held him back in kindergarten for various reasons). That skews the numbers for us a great deal.
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Old 03-18-2021, 08:39 PM   #35
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I’m just guessing this group will poll differently than the mainstream, though there are perfectly legit reasons to start early or late regardless. I’m not asking for anyone to explain, just curious how an ER.org poll pans out.


One thing to keep in mind is that the reason that so many people take SS at 62 is that they have no significant savings so they realistically have no other choice. Wealth give you choices that other people don't have, so let's count our blessings.
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Old 03-18-2021, 08:47 PM   #36
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Started at age 62. At that time my two of my three kids also then qualified for SS benefits based on age/school status until they graduated high school, and my wife as mother of such also qualified for SS until last kid left high school. Sweet. Several years of SS benefits built a nice college war chest for the youngest one.
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Old 03-18-2021, 09:02 PM   #37
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My answers are all back there in other posts.
Myself at 70, DW sometime sooner.
She is also 4 years younger.
Her timing is dependent on Roth conversions as well.
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Old 03-18-2021, 09:23 PM   #38
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I'm planning me at 70 (slightly higher earner). Then DW doesn't much matter, according to OpenSS. 62 is optimal, they say.

That is probably what we will do (62&70), because, if she waits, our SS+pension will be more than needed; I think that we might as well move some of that income forward in time and have a lower (but still adequate) guaranteed income later.
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Old 03-18-2021, 11:27 PM   #39
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Planning on waiting until age 70. Will turn 68 this year so not much longer. The years just seem to fly by now.
Ditto! (my shortest post ever on E-R.org!)
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Old 03-19-2021, 01:27 AM   #40
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My plan was always to wait until age 70, if possible, which seemed prudent due to some familial longevity.

But then, Katsmeow and others on this forum explained how I could take divorced spousal SS, equal to 1/2 of the amount he was getting, at age 66. Then at age 70 I could switch over to the full, unreduced amount of my own SS based on my own work record. So I did that. (THANK YOU!!) Don't know if that is still possible but it was then. What a windfall!

For the poll I said "age 70".
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