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Reasons Behind the Rush to Early Filing

A recent study by asset management company Schroders reports that “40% of respondents who haven’t yet retired plan to begin receiving Social Security benefits between the ages of 62 and 65.” In discussing the reasons behind this statistic, The Motley Fool’s Keith Speights cites the much-discussed looming insolvency problem, and its potential for a substantial reduction in future benefits as the root cause. Speights’ article, which you can read here, discusses the irrationality of this fear and the cost (in reduced monthly benefits) that succumbing to it produces.

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