Wow, we're up to 80+ replies on this thread.My FRA is June 2021.
I'm pretty sure I'm going to start in Jan 2021.
That $18k penalty becomes $48k in your FRA year.
They will penalize me a little for 6 months but it will let my wife start collecting a spousal benefit from my account rather than hers. She is 3 years older than me and has been been collecting from her account since she was 62. She doesn't get much as she did not work that much being a stay at home Mom.
I did not feel this thread would be that popular since it has nothing to do with Nikon or photography.
That's one of the reasons why I love this place.
You can talk about anything and the company is fantastic.