[rfuerst911sc]

My decision was fairly simple . I paid into the system from age 15-60 when I retired . My wife basically the same . When we retired early we had to pay for health insurance ( ouch ) . Paid out of pocket for 3.5 years and then said screw it . Started taking SS and haven't looked back.

We both are on Medicare now so our SS income plus our pensions go into the kitty . Everything we have is owned free and clear so we have substantial $$$ left over each month . And this is without touching the nest egg .

Did I leave $$$ on the table by drawing early ? Maybe yes maybe no it just depends on our end dates . Without knowing the end dates we are enjoying the $$$ while we are healthy in mind and body . Works for us may not work for you .