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today were going to talk about two retirees pilot pete and chef steve each plans to retire next year when they turn 62. their financial situations are exactly the same they have the same amount saved and expect to spend the same amount in retirement however theres one difference in their retirement plans pilot pete will immediately apply for social security when he retires at age 62 while chef steve plans to wait until age 70. will the timing of their social security make a difference who will come out better lets find out and be sure to stay until the very end where i discuss the long-term prognosis of social security in general the amount youll receive from social security depends on both the amount you earned over the course of your career and when you choose to start receiving your benefits your full retirement age or fra is the age at which you are eligible to receive your full retirement benefits your fra depends on when you were born but for most people who are trying to ma