We carefully adjusted our living expenses so that we could be satisfied with less income compared to our working years. It also helped that we had some control over the hours we worked and that our work involved helping people. Both of these conditions helped us enjoy our semi-retirement more.

Specifically, you lose 5/9 of 1% of your PIA per month for up to 36 months when claiming early, then 5/12 of 1% for every month thereafter. That means signing up for Social Security at 62 can reduce your checks by up to 30%.

Bhad Bhabie reveals on Instagram she underwent a nose job amid her cancer battle. The 21-year-old rapper posted several photos of her plastic surgery results, which show bruising around her nose. Bhad Bhabie also defended her decision to get the cosmetic procedure while she's battling cancer.

Key Points You won’t be forced to claim Social Security if you don’t want benefits. Once you turn 70, there’s nothing to be gained by waiting to signing up. Understand the program’s rules so you don’t lose out on benefits.