HI, my birthdate- 9-1-56 $750 benefit now , FRA is $1,000 My health is perfect, no house payment and no bills. Should I take the money now rather than wait till 66/4months ?

Hi,

In my opinion, if you don't need the money now you should probably wait until age 70 to start drawing. If your full retirement age rate (PIA) is $1000, your retirement benefit rate at age 70 if you wait until then to start drawing would be roughly $1293. That said, when to start drawing your benefits is entirely a personal decision which you'll need to decide for yourself. You may want to consider using our maximization software to compare your options so that you can make an educated decision.

Best, Jerry