Younger boomers can start collecting Social Security benefits as early as age 62. According to Williams, however, many file for Social Security too early, leaving thousands of dollars on the table.
Just because you’re eligible to start receiving benefits at age 62 doesn’t mean you should. Social Security is an important part of retirement, with many boomers relying on this income to sustain their lifestyles. Because this money is guaranteed for life and adjusted for inflation, it only makes sense to maximize your benefit and get as much as you can.
To do this, however, you should delay collecting benefits until at least full retirement age (between 65 and 67), or hold off until age 70. The longer you delay collecting benefits (up to age 70), the bigger your checks become.
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