By John Zeltmann

With concern about the Social Security trust fund's solvency and speculation rampant that the system is bankrupt (which it actually isn't), many people wonder whether potential future changes will be directed at their retirement benefits.

By John Zeltmann

You took the money and ran, didn't you?  When it comes to Social Security, most Americans do the same thing.  According to the Center for Retirement Research at Boston College¹, as much as 90% of Social Security recipients collect at or before Full Retirement Age with a significant number of people collecting as early as 62.

So does Social Security allow a mulligan?  It does, albeit on a fairly limited basis.  Let's see if you're eligible.