One of the most challenging questions is when to start receiving your Social Security benefit. Should you start collecting it at 62, wait until 70, or choose somewhere in the middle? If you’re age 62 or older, the first question you should ask yourself is if you need the money. If you do need Social Security income to meet your expenses in retirement, you’ll need to take your Social Security income or consider other options. If you don’t need the money, it might make sense to consider delaying your benefit to let your future payment increase until you reach 100% of your PIA (or even higher)

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