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What also doesn’t add up is, at ages 69 and 72, they are just now applying for Social Security. You can take SS as early as 62 and the longer you wait the higher your payment is, but this stops at 70 and the advice given most normal people is to start taking SS between 62 and 65. Only people I have seen wait to 70 are high net worth people.
no doubt. I plan to start "retirement" at 62 for sure, but my only uncertainty is healthcare between 62 and 65, which is when Medicare starts.
elsewise, my goal is quit as early as possible and figure out how to get by on whatever I get. I feel like people who want to retire with big bucks are nuts. what a gamble!