does it make a difference dollar wise if i collect social security at 62 or 63 . with no income between those years .
Yes, Social Security benefits are reduced by a percentage for each month that you start prior to full retirement age (FRA). The reduction percentage is 5/9ths of 1% for the first 36 months of reduction, and 5/12th of 1% for each reduction month in excess of 36. For people filing at age 62 this year, that results in a total reduction of 25% from their full retirement age benefit, vs. a 20% reduction if they wait until age 63 to file.