The self-styled "experts" all say you are much better off if you wait until full retirement age to claim Social Security. Due to tax obligations, that may be true if you continue to work and have significant income. But if you have significant income you do not need social Security. For most people, filing for social Security at 62 is by far a better decision than waiting.
http://socyberty.com/politics/filing-for-social-security-at-62/
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