Stella awakened me this morning (she frequently does that, as she has a job that requires her to be, as a friend of mine used to say, up at Dawn's Crack) with a reminder that in less than a week I will be about three months from my 62nd birthday... and thus eligible to begin applying for Social Security if I wish. I intend to do just that. Yes, the payoff is smaller the earlier you start, but two factors weigh in favor of my retiring early:
- members of my family tend not to live to a ripe old age, and
- Social Security itself looks to be in danger of not living to a ripe old age.
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