Retirement Don't: Don't take social security at 62, when you can access it. If you believe you'll live for 17 or 18 more years, postpone taking social security until a few years later until you're 65 or 66. If you go to ssa.gov, you can find out your "normal retirement age" based on the year you were born. If you take social security before your assigned "normal retirement age", your benefits are reduced. Conversely, if you postpone it, you'll get credit. And keep in mind there are income limits for singles and couples, where you are either taxed on 50 or 85 percent respectively of your social security. 
Bill Losey, CFP and retirement strategist