A friend said that she went to Social Security and they told her to take the benefit as early as possible. Is this good advice?

Answer: First Social Security offices are not allowed to give advice. They are there to help process paperwork. It may be in their best interest to have you complete the paperwork while you are there so they will not have to do this in the future. It is impossible to tell whether or not it is best for you to start early without an analysis of your unique situation. Since no two people have the exact same variable it is difficult if not impossible to try to create some filing rules beyond the older higher income spouse should usually wait to file until age 70, but this also may not be true if both have a short life expectancy.