u/Dazzling-Ad-8409

I'm about to turn 66. My original plan was to wait a year till I'm at FRA and apply for mine with the spousal benefit to top mine off. I figure with that I'll get about $1850/mo. How much difference would it make retiring 1 year sooner than FRA? I'm still working but am self employed and work on commission only so my income is inconsistent. Which is the main reason I'm considering early retirement...business has been slower than usual this year and that money would relieve some financial stress. I'll most likely be fine if I wait but if it won't make much difference I'd rather start now than wait a year. Ex's (yes I was married at least 10 years and he is over 62 and I'm not remarried) PIA was $3000 2019. Can anyone help me with this?