I have been thinking the same thing all year and telling folks about it. I think by the time you hit 50, that should be the cutoff date. You have put your time into life and work by then and you should be able to start to collect your retirement and Social Security. By this time your body is starting to get sore and hurt, and you should be able to spend the rest of your time doing what you enjoy with the rest of your time. This making everyone wait is the government’s way of juicing every last drop out of you and hoping you pass away from collecting what is rightfully yours. Who else thinks so?