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 Filing for benefits at this age can boost your lifetime spending capacity by 10.4%. fizkes / Shutterstock.com

Deciding when to file for Social Security benefits can be daunting. Some choose to file early, while others believe it is a better bet to wait. However, a recent analysis says the choice is relatively easy: More than 90% of older workers should file for benefits starting at age 70, according to the analysis from the National Bureau of Economic Research. It’s not the usual blah, blah, blah.

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