took a positive step

Not much of a step, but I did send my and my wife's latest social security statements (the one that says how much you are projected to get when you retire) to my broker. I asked him to let me know how much money we need to have saved up by age 62 to earn $2500-3000 a month, including our approximate $1800 of social security.

I know you get more by waiting until 67, but I cannot bear thinking of working 5 extra years!

The big problem is, if you retire at 62, you have 3 years with no health insurance since you can't get on medicare until 65.