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The perils of filing for Social Security early

Most folks aging into Social Security eligibility are aware that they can file for benefits at age 62. What they may not be fully aware of, though, is the downsides associated with the decision to file before reaching full retirement age. In a post on their website, The Motley Fool’s Sean Williams covers three of these negative consequences, beginning with the one most people already know about…the reduced monthly benefit. He goes on to explain two other significant downsides that are often not given full consideration: the “earnings test” on wages after filing and before full retirement age, and the impact on others dependent on the filer’s benefit. Check out Williams’ post here…

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