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Why Wait? The Rationale for Claiming Early

As Joseph Ivan Fishman starts this piece, “When you’re a financial adviser, you soon realize that half of the job is math; the rest is loopholes and therapy. These words ring truest when deciding on when to activate Social Security, which can be a tough decision.” One can begin benefits at any age 62 to 70. It’s a question of low benefits but more of them versus higher benefits but fewer of them. Fishman describes the rationale for claiming early. They are: 1. ensuring breakeven; 2. spend the government’s money first; 3. gaining confidence from an extra source of income. Full article in Kiplinger’s here.

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