"The gain from waiting is so big that it pays for most people to keep working, or even to dip deep into their retirement savings early to cover their expenses so they can delay claiming."
"A 2022 study found that virtually all American workers then in the 45-to-62-year-old age group should wait beyond age 65 to start collecting Social Security checks. It said that more than 90 percent should wait till age 70, yet only 10 percent appeared to do so."
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