Few decisions will affect your finances as much during your retirement years as when you begin collecting Social Security benefits. Your choice will have repercussions that go on for the rest of your life.

Many Americans opt to receive their Social Security retirement benefits as early as possible -- age 62. Others prefer to wait until their full retirement age (which is 67 for anyone born in 1960 or afterward) or hold off even longer.

Should you take Social Security at age 62 or 67? Here are three reasons to consider splitting the difference.

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Source Fool.com