There's no right answer. If you start collecting before full retirement age, your benefit will be reduced, but you will collect it longer. If you delay retirement past your FRA, your benefit will increase, up until you turn age 70. (It won't go higher after that.). Your full retirement age is based on your birthdate and will be between age 65 and age 67 depending on your birthdate.
*Answers are correct to the best of my ability at the time of posting but do not constitute legal or tax advice.*
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