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When to take Social Security, explained — 62 vs 65 vs 67 vs 70, and the couples strategy almost nobody uses. One form asks for a date, and that date can change the same worker's monthly check by 76%. Claim at 62 and a $2,000 benefit becomes $1,400 — permanently. Wait to 70 and it becomes $2,480 — guaranteed, inflation-adjusted, for life ...
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