- Care-free joy. The sooner you retire, the faster you can enjoy life work-free.
- Because you can. Figure out how much money you’ll need to save and allocate (see Retirement Plans 101).
- Delaying SS is not worth it. You can receive Social Security benefits at your “full” retirement age (based on your birth year). Delaying can increase your benefit share and early collection can shrink them. The SSA says that regardless of the collection age, you basically receive the same amount.
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