When you've spent four decades or more in the workforce, it's understandable to be drawn to the idea of claiming those monthly checks at 62.

If benefits are reduced, it would require $138,000 in additional savings to generate the same income, PensionBee found. Here's how that breaks down by age.

I’ll be 62 in early 2026. I’m in relatively good physical shape. I collect 100% VA Disability for mental health at $4,000 per month. I have $40,000 in cryptocurrency that I play around with. I have $2,