[jcommin]

I have weighed both sides of this debate.

I have friends that took the SS money at 66 and rolled it into an IRA or a deferred account because they are still working. That makes sense to me - Otherwise it becomes a tax problem. I know some that still work, use the SS money to pay down debt. I get that too.

I'm 67 and still working and will retire at 69 - I'm going to draws at 70- for every year I defer, the amount grows 8% annually. I never expected to work this late in my life - life got in the way.

Everyone is different - there is no right or wrong answer.