Jackie Cummins Koski, co-host of the Catching Up to FI podcast, made the case on episode 210 that most near-retirees are ...

Practicing a little patience could be the better move for many people.

Age 62 is the earliest a person can file for Social Security. Claiming benefits at that point will reduce them substantially for life. That doesn't mean filing at 62 is automatically a poor choice.

Filing for Social Security at 62 will generally reduce your monthly benefits for life. It may not be a risky move if you don't expect to live very long, or don't want to gamble on your life expectancy ...

Claiming Social Security at 62 reduces monthly benefits by roughly 30% compared to waiting until full retirement age of 67, locking in a permanent reduction that follows a retiree for life, while ...