Many readers insisted that the decision to claim Social Security early isn’t always about financial desperation. Some calculated that investing their checks could yield better returns.
The general rule suggests waiting until age 70 to claim Social Security; however, many readers argue that their personal circumstances lead to claiming benefits earlier than ideal.
There is a significant policy discussion around the reasons people apply for Social Security benefits early, with many feeling shamed for their financial choices when they claim at 62.
As some readers pointed out, claiming early is sometimes strategically planned, not necessarily due to need; they rely on forecasts about investment growth as a rationale.
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