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I've read your similar article in Forbes of 2/12/13.  My question is when you recommend waiting until 70 to take Social Security, are you factoring in the loss of benefits from age 65 to 70.  If so, at what age do you recoup those benefits with the increased benefits after 70?
Yes, we are factoring the loss of benefits.  You shouldn't think about a break even age.  You need to think of your maximum age of life and plan to live that long.  Why?  Because you might.  best, Larry
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