Assuming Social Security Income Is Not Absolutely Necessary at Age

Assuming Social Security income is not absolutely necessary at age 62, the decision whether to begin receiving reduced payments at age 62 versus waiting for full retirement age is

A) a financial analysis decision based on present value and life expectancy.
B) a moot point since the government tells you when you are eligible.
C) a decision based on expected inflation rates.
D) a moot point since you should take the money as soon as possible.