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An older couple and a Social Security card (Image: Shutterstock) (Image: Shutterstock)

Employees often ask whether they are better off delaying retirement or retiring early, before they reach full retirement age. Different people answer that question differently. Those at lower income levels may have no choice but to start drawing Social Security benefits at age 62, the first year they can, while those at higher income levels may be able to wait until they hit 70.

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