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When should someone start taking Social Security?

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If you’re of a certain age, the new year means you’re that much closer to a day you may have anticipated with a combination of humor and resignation — specifically, the day you’re eligible for Social Security.

But just because you can take Social Security, it doesn’t mean you must take it. So, should you?

Before we get to that question, let’s review the basic rules governing Social Security payments.

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