OPINION: Delay taking Social Security until age 70? No thanks. The men in my family died young and I want to retire early and enjoy the rest of my life, Juan Fourneau writes.
Financial experts often advise retirees to delay claiming Social Security. Their actuarial tables and statistics make a compelling case. Still, as soon as I’m eligible, I’ll strongly consider claiming Social Security.
One summer, I worked as a temp at the same factory. Despite the modern machines and far safer working conditions, it was hot and the work physically demanding. I was 25 years old and in good shape, but it was still tough. It made me appreciate the work my dad did to support our family all those years. Along with his pension, he was able to retire only by claiming Social Security benefits at age 62.
I’ve had it easy compared to my dad and father-in-law. But I did work a swing shift for 20 years. One week, I’d work 7 a.m. to 3 p.m. I’d get the weekend off and go in Sunday night for my week of graveyard shifts, 11 p.m. to 7 a.m. On Friday morning, I’d get off work at 7 a.m. and not have to return until Monday at 3 p.m., when I’d start my week of 3-11s.
I understand the numbers and statistics that support claiming Social Security benefits later. But I can’t help but want to hedge my bets and claim my benefits at age 62. I’m 100% certain that, if I’m still working at the plant at that age, I won’t hesitate to retire and claim my benefits. That would go double if I was still working a swing shift.
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