Dear Rusty: I’m currently 67 years old and still working full time. I took a big financial hit in 2008, which is why I’m still working, and I expect to continue working until I’m 70. My question is: should I take Social Security now, bank it until I’m 70, and then pay it out to myself upon retirement? Or would it be better to hold off until I’m 70 to claim. Longevity of about 85 seems to run in my family. Signed: Working Senior

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