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When can I start getting payouts?

The earliest you can start collecting Social Security retirement benefits is age 62; the latest is age 70. When you start collecting payouts in that eight-year span is up to you.

Your actual retirement date doesn't matter. You can retire before 62 if you like, and you can retire after 70. If you retire before 62, though, you'll have to make sure you have enough money set aside to support you until Social Security payments kick in.