On Social Security benefits..if you were 62 and were underemployed

[Buns_of_Fire]

15. That's exactly what I plan to do in another five months or so.

My own numbers were pretty easy to run, since I'm not UNDERemployed -- I'm UNemployed. And have been so for pretty much all of the last ten years (my highest-grossing year was around $3800).

I took a lump-sum payout of my pension from a previous employer a few months ago, and that's what I'll be living on until then. I'll run the numbers again around September, and see if it's worthwhile to put off applying as long as I'm comfortable putting it off (you get a little more per check for every month you delay applying past your 62nd birthday). (Actually, you don't apply ON your 62nd birthday -- you need to apply roughly three months previous.)

In my case, it'll keep me from having to change my address to the nearest I-81 underpass, but you'll really have to crank up the ol' spreadsheet and run your own set of numbers. Good luck.