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if youre still working and you havent taken social security yet or youre retired and you havent taken social security yet try to delay your social security remember if you take social security at age 62 you only get 70 percent of your overall benefit if you wait to 67 you get a hundred percent of your full retirement benefit and if you wait to 70 you get 124 percent of your full retirement benefit the longer you can delay social security the more money that youre going to get in your pocket