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Articles related to focusing on healthy aging, prevention, mobility, cognition, nutrition, independence, and caregiving support.

3 min

How much will my Social Security be reduced if I retire at 65?

For those born in 1960 or later, full retirement age is 67, meaning retiring at 65 results in a permanent reduction in monthly benefits. Understanding precisely how much your Social Security will be reduced if you retire at 65 is crucial for effective retirement planning and maximizing your lifetime income. This reduction is calculated based on the number of months you claim benefits before your full retirement age (FRA).

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5 min

What is the penalty for retiring at 64?

For those born in 1960 or later, your full retirement age is 67. Therefore, retiring at 64 means claiming benefits three years early, which results in a permanent reduction to your monthly Social Security payments. Understanding the penalty for retiring at 64 is crucial for effective financial planning.

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2 min

What is the penalty for taking Social Security at 65?

While age 65 has historically been seen as the standard retirement age, it is no longer the Full Retirement Age (FRA) for many, particularly those born in 1960 or later. Consequently, if you claim benefits at 65, a permanent reduction in your monthly Social Security payments will occur, impacting your financial outlook for the rest of your life.

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4 min

Can I retire at 65 if I was born in 1967? Your Retirement Guide

For individuals born in 1967, the Social Security Administration has determined your full retirement age is 67, not 65. This means that while you are legally able to start collecting benefits at age 65, it will lead to a permanently reduced monthly payment, a critical factor to understand when asking, can I retire at 65 if I was born in 1967?

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4 min

How does retiring at 55 affect Social Security?

According to the Social Security Administration (SSA), the average monthly check for retired workers was $2,008.31 in July 2025. However, since you cannot claim benefits until age 62, retiring at 55 affects Social Security by creating a multi-year gap in income and potentially lowering your eventual benefit amount.

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4 min

What is the earliest someone can receive Social Security?

According to the Social Security Administration (SSA), the earliest you can start receiving retirement benefits is age 62. While this offers an early start to retirement, it comes with a permanently reduced monthly payout, making the decision of when to claim a critical financial consideration for anyone nearing retirement.

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3 min

How much is my SS benefit reduced if I retire early?

For those born in 1960 or later, taking Social Security at the earliest age of 62 can result in a permanent 30% reduction in monthly benefits compared to waiting until the full retirement age of 67. This significant cut is a key factor for anyone asking, "how much is my SS benefit reduced if I retire early?".

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3 min

How much money will I get when I retire at age 62?

Retiring at 62, the earliest age to claim Social Security, results in a permanently reduced monthly benefit—up to 30% for those with a full retirement age of 67. Understanding how much money will I get when I retire at age 62 is a critical first step in planning your financial future.

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2 min

How close to your 62nd birthday should you apply for Social Security?

According to the Social Security Administration (SSA), you can apply for retirement benefits as early as four months before you want your payments to start. This window is crucial for anyone wondering **how close to your 62nd birthday should you apply for Social Security**, as it allows for sufficient processing time to begin receiving checks at the earliest possible age. However, an early application means permanently reduced benefits compared to waiting until your full retirement age.

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