Well, my financial advisor was useless here. I asked him when the best age to start collecting, assuming that the system screws me in 2033 and cuts my benefit by 25%. He couldn't come up with an answer. All he can do is plug numbers into an online calculator.
Before I spend the time making a spreadsheet to answer this question myself, is there anyone here who has already made such a spreadsheet? Or has a link where I can download a template?
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