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Information Overloader
Join Date: Mar 2003
Location: NW Lower Michigan
Posts: 29,792
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It absolutely is a very individual decision. SSA wants you to wait because it pushes the day or reckoning further into the future.
Also, if you're in pretty good shape financially, which most boomers are NOT, I'd wait to collect. Inflation is creeping back into the news. Inflation is the enemy of fixed-incomers.
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