Am I actually 9 months older than I think I am.
Should I count the time spent in my mother’s womb?
Always hated my bday month. I could have a much better one in the middle of summer!/
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I have always stayed true to form, I am early for everything.
I had 30 weeks womb time.
But I was a pistol. The hospital put me in an incubator, I weighed less than 2 lbs, but I kicked out
the glass sides of the incubator and I joke that they kicked me out of the hospital after that.
Actually my mother and aunt were both nurses and friends with the pediatrician who
let me go home with them.
My dad was overseas serving in the USAF during the Korean War so my mother was living with
her parents and siblings.
So grandpa made me a tiny little incubator at home. And then I finally graduated to a cigar box. 
My mother had to buy doll clothes so I had something to wear.
It made more sense to me to take SS early. The money indicated that I'd need to live to 81 just to break even. My dad died at 69 & my mom just before 76. Both grandmothers died at 59.
But, in taking benefits 65 months early I paid a penalty. If I retired 56 months early, my reduction would have been a few hundred a month less.
It's not just the 9 months. It's 5 plus years of reduced benefit!
Maybe I should sue! 