Jackie Cummins Koski, co-host of the Catching Up to FI podcast, made the case on episode 210 that most near-retirees are ...

Age 62 is the earliest a person can file for Social Security. Claiming benefits at that point will reduce them substantially for life. That doesn't mean filing at 62 is automatically a poor choice.

Claiming Social Security at 62 instead of 67 permanently reduces benefits by 30%, costing a couple over $50,000 per year in combined lifetime income, while the 8% annual delayed credit through age 70 ...

It can be tempting to claim Social Security at 62, since it's the earliest age to sign up. If you file at 62, you'll reduce your benefits permanently and risk further withholding if you continue ...