I don’t think there is an earlier option for less money anymore but could be wrong.
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There is an early option for less money.
You can start at 62 but you get twice as much if you wait until 70.
What a gamble.
What’s twice as much as $0?
I get $2,177 a month at 62, $2,681 at 65 (Medicare age), and $3,836 at 70. I also have a pension, and a 401K. There is an incentive to work longer, but I don’t need to. Most of the people I work with retire around 65.
