Nya Nya Nya! I just got my first SS payment this morning! I'm still 6 months from my full retirement age (66), but after running the numbers over and over again and doing the most accurate projections I could and after sitting down with someone at the local SS office it came down to a negligible difference in the benefit amount. So I pulled the trigger last month and had the app approved just under the wire (the gov't shut down could have delayed it).

I've got to be very careful about logging my business expenses through the end of the year because there's a cap on how much I can earn (net) over and above SS. But as of January, there's virtually no limit on additional income. Whew!