Have read your book 'Money Magic', contacted you about it. Just signed up for MaxiFi. What is your opinion of taking SS at FRA vs waiting until 70? Understand more $$ if waiting, live a longer life, etc. But getting $$ when younger/healthier/etc. Has anyone done an NPV on taking SS at FRA vs waiting until 70? Then investing SS benefit, getting modest returns (4-5%)? Spouse and I always planned on waiting until 70. Is that a good strategy? Mark

Hi Mark. Larry has opined on this topic many times, so I know that he would tell you that in the majority of cases it's best to wait until age 70 to start drawing Social Security retirement benefits. Here are links to two different columns that he has written on this subject: https://www.pbs.org/newshour/economy/take-social-security-benefits-early... & https://www.forbes.com/sites/kotlikoff/2018/11/25/it-might-be-worse-to-t....

That said, each individual's situation is unique, and their best filing strategy depends on numerous different variables. Therefore, you and your wife should strongly consider using our software (https://maximizemysocialsecurity.com/purchase) to fully compare and analyze all of your various options so that you can be sure to choose your optimal strategy for maximizing your benefits.

Best, Jerry