When to Retire
The real cost of retiring at 62 vs. 67 vs. 70, broken down year by year
Picture two neighbors, both turning 62 in June 2026, both with identical earnings histories. One files for Social Security that month. The other decides to wait. Five years from now, the early filer will have collected roughly $83,000 in benefits. But the neighbor who held off until 67 will start
