So the plan is to retire and draw SS at 62 or ASAP to that date. To the OP, I have a question. Are you planning to continue to work and draw SS at 62? If so and you make over abuut $10.5K a year then you will be loosing money as you have to pay back $1 for every $2 over the $10K mark. In my case I make over $60K a year so for me to draw when I was 62 was a waste of time and money. Next year I hit the 66 1/2 mark and at that point if I like I can make all the money I want and still keep all of the SS that I draw (- taxes of course). So for me the 66 1/2 mark is my goal. like a lot said above this post, life is a gamble and you never know when the dice will roll wrong. Look at what your plans for working or not and SS are and see what works for you.
