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The case for taking Social Security early

Your full retirement age (somewhere between 66 and 67, depending on when you were born) is when you’ll get 100% of the benefit you’ve earned from a lifetime of working; if you claim benefits earlier they will be reduced and if you wait beyond your full retirement age they will be bigger. Many financial advisors will recommend that you wait until at least your full retirement age before applying for Social Security, and some will suggest that waiting until age 70 is the best choice for you. But life often dishes up some different realities which can mean it sometimes makes a lot of sense to claim your benefits early, even though you’ll be taking a cut in the monthly payment. In this Motley Fool article by Maurie Backman, the author describes how taking benefits early isn’t always a bad move, and offers three good reasons why it makes perfect sense. Click here to read more.

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