By that math, your typical American man would be smart to claim Social Security at age 62, the first year of his eligibility.

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Interest earnings on a CD account of this size can still be significant, and it won't take too long to earn, either.

Noah Giansiracusa is professor of mathematics at Bentley University, faculty associate at Harvard University, and author of ...

On the other hand, if you have a chronic illness and don’t expect to live into your 90s, you could consider a higher rate.