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There is also the factor of wanting the money during your younger, more active years to travel, buy a Porsche, golf....etc. With all of the health issues I have been through, i'm going to take it as soon as I can, reduced amount or not, so I can enjoy life as long as I can. I would hate to wait until 70 to get the big money and then have something happen that I couldn't enjoy it.
I have a nice company pension, along with a decent 401K account that means I probably won't really need the SS to live comfortably, but I want to help my kids, travel and not worry about buying a new vehicle or buying old ones to fix up.
I think by the time i'm 80, I will have slowed down enough to not need the extra money and will live a pretty simple, cheap life.
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