SS is direct deposit. I buy gold with the SS money. Started buying before I was on SS and when it was just $1400 an ounce. It's at a record $3235 today.
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I worked until I was 39 and had some pretty good jobs in those years. How much SS you get is based on your highest paid 40 quarters. I easily had 40 quarters paid in. Didn’t file until I was 66 years 7 months old so disability wasn’t involved. Had planned on waiting until 70 years old but had a heart attack. I filed about 3 weeks after the heart attack because I didn’t know if I would ever be healthy enough to hit the casinos again or even live much longer.