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Time is Money – Delaying Benefits Nets a Higher Return

Filing for Social Security before full retirement age significantly lowers returns on benefits. Studies show that dipping in to IRAs rather than filing for early Social Security can be more beneficial in the long run. The reasoning behind this boils down to inflation, whereas IRAs are susceptible to this effect, Social Security benefits are not. Ben Steverman with Bloomberg has more to say on this subject here.

 

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