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What's your break-even date?

September 24, 2007
Should you retire as early as you can, take your reduced Social Security benefits, and live it up?

Or should you wait until full retirement age, when your benefits will be markedly greater, and hope you live long enough to enjoy the extra money?

You can compute your own break-even age for taking Social Security benefits at this Web site: www.ssa.gov/OACT/quickcalc/ when2retire.html

You'll need your most recent Social Security statement. If you didn't save yours, you can find out how to apply for a new one at the same Web site.