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Tim, a retired healthcare worker from Arizona, followed advice to wait until 70 to claim Social Security for a larger monthly check, but at 75, he regrets not claiming earlier after his wife passed away before they could claim together. He acknowledges the importance of living for today and wishes he had considered investing some of the income if he had claimed earlier, realizing the value of enjoying the present rather than always planning for the future. Financial advisors mentioned a break-even point at age 82, but Tim wishes he had prioritized using the money for trips and savings instead.
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