> the optimal money move is to continue working to full retirement age Only your highest-earning-of-SS-income 35 years matter, so it's conceivable (and probabl

> the optimal money move is to continue working to full retirement age Only your highest-earning-of-SS-income 35 years matter, so it's conceivable (and probably not too rare for many HN readers) to have had 35 max-income years before FRA.