'Rat Holes' in Social Security system | Sandusky Register Dear Rusty: I am single and will be 63 on July 1 this year. I was born in 1955. I have been considering retiring sooner rather than later. (In other words, before FRA, which for me is 66 and 2 months). I have been reading about the "rat holes" in the Social Security system that may affect my timing for when I choose to begin my SS - I can't quite figure out a strategy as to when to begin my SS so as not to fall into that rat hole. Can you possibly advise me as to when would be the soonest that I should choose and not "take a hit", so to speak? Or does it not really matter that much? Signed: Trying to Decide

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'Rat Holes' in Social Security system

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