Hi, I am a wife of a RR worker and 2 years older. My question is that I would like to retire at 55 (I do have roth ira and s@p 500 plus my own 401k) could I collect my own SS starting at 55 then when i am 64 start to collect on my husbands pension and stop receiving SS? I know you cannot do both at the same time and technically I wouldn't be. But at least I could get some of what I have worked for and not just throw it away.

Hi,

Unless you are disabled, the earliest that you can potentially draw Social Security retirement benefits is at age 62. You could potentially file just for reduced Social Security benefits as early as age 62 and then file for Railroad retirement later, or vice versa. I have no way of knowing what your best option might be, though.

Best, Jerry