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My husband and I live in America, are in our early 60’s and approaching retirement, have paid into the Social Security Systems for years, own older automobiles outright and have no mortgage. I understand a lot of the pros to what you are suggesting, but what are the cons (there always are)?

It is important to have all the pros and cons so we can each make the decision that is best for us and our situation.

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  1. America: Medicare (“free”) is forced on you when you starting taking social security (they are linked together). It is too risky to carry ANY medical insurance, so I refuse to take MY social security money that I really need right now. Is there any way to decouple Medicare from social security? (I also don’t wish to receive any letters telling me I’m due for a poisonous injection routinely or in order to receive MY monies.)