My client, who is single and 64, retired at age 62 but didn’t start taking Social Security then. Instead, she set a goal to start claiming at her full retirement age of 66, to get 100% of the benefit she has coming to her. She is in amazing health. Her dad is 88, and still going strong. Susan has minimal debt, about $45,000 left on a 15-year mortgage, which she will pay off by the time she is 67. She lives modestly but is a great saver.