I took the money at 62 and just invest it. Never know what they will do when it starts running out...raise age to start, reduce based on income/savings/cut one spouse or just reduce amount paid out??? Who knows. I think you have to live into the eighties for it to pay you more than just start taking it at 62, and if you invest, that extends into the nineties.

Thoughts may be different if this is what you are depending on for your retirement for the rest of your life.


"It is the mark of an educated mind to be able to entertain a thought without accepting it"