There are a lot of good reasons to delay, but unless someone is sure to have a short life or absolutely needs the money, few reasons to claim early.The survivor benefit can tip the scales, but my reason for delaying benefits is to decrease the cost of Roth conversionsThe way I look at it, if I live a long time, I will be glad I waited and if I die early, I won't care. Breakeven doesn't even count.
A while ago I asked my dad why they began SS when they did. He said he'd done the breakeven math, and figured he'd never reach 84 or so to break even.
Statistics: Posted by Harmanic — Fri Jul 19, 2024 11:33 am — Replies 150 — Views 9158