If someone were to offer you the option to start getting monthly checks now versus in the future, would you be inclined to wait if holding off meant receiving larger payments? Maybe you'd sit tight. Or maybe you'd take the money immediately because you just plain want it now. Such is the dilemma all Social Security claimants face. You can file for Social Security as early as age 62. But for each month you take benefits ahead of full retirement age, your payments shrink. Image source: Getty Images.
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