Originally Posted by
chewybrian
Well, the one thing that seems very clear is that there is no percentage in taking benefits early if you are still working. Your tax bill would go up, you would pay a penalty, and your future benefits would be reduced.
If you're working and don't need the extra money, it's probably better to wait. If you like working than what's the hurry? I hated working and couldn't wait to get out. I am not in a financial position to stop working and have no property or other pensions or anything, really. But I couldn't stand it any longer and I would have retired at 62 except several events conspired to keep me working. I was even ready to go the 3 years until 65 without any medical insurance.