NEW RETIREMENT AGE FOR FULL PAY IS 67 IN 2025. IF you take at 62, deduct 25-30% for life. BUT YOU CAN DRAW AT 62 AND AT FULL RETIREMENT AGE YOU CAN REPAY MONEY THAT YOU RECEIVED FROM 62 TO 67 AND THEN RECEIVE FULL PAY. SCREWED UP AS NORMAL WITH THE SUITS TELLING US WHAT TO DO!