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Besides I have always been told that the difference between collecting at normal retirement age and 70 is actuararly equivalent. Or put another way as a group if everyone were to collect at NRA or at 70 should yield the same benerfits. I realize that for any given person it depends if they die before or after a breakeven date but as a group the decision is suppose to be net no effect. Now if some of you acturaries that hang out around here want to tell me you have run the numbers and what is suppose to happen and what does happen I will listen to that claim.