ArkRescue
Adopt me please !
After my Math Major co-worker did the calculations to figure it all out, I was like hmmmm it doesn't make ANY sense at all to wait. You can make up to a limit in extra income before for your SS benefits are reduced and then they are reduced by $1 for every $2 over the limit you earn. In 2023 the earning limit is supposed to be raised from the current $19k to $23k. Meaning that I can continue to work half the year (public school pay) before my SS benefits are reduced, thereby giving me the extra money I need to pay down my credit card debt.That's what a lot of smart people have done, myself included. Take it early at a slightly reduced monthly, but it's yours to use now rather than wait. The couple a dollars a month more you'd get if you wait until 'full retirement' age just isn't worth it.