I probably meant to say 59 1/2 rather than 55. I often mix those two. 55 is when you can move to those 55+ communities, 59 1/2 is when you can pull from retirem

I probably meant to say 59 1/2 rather than 55. I often mix those two. 55 is when you can move to those 55+ communities, 59 1/2 is when you can pull from retirement penalty-free. 65 is when social security benefits kick in, including Medicare.