Gearing up for retirement often means having to make a lot of important choices. Where will you live? What will you do? And when should you sign up for Social Security?

You're entitled to your full monthly Social Security benefit based on your personal income history (specifically, your 35 highest-paid years in the labor force) once you reach full retirement age, or FRA. FRA is 67 for anyone born in 1960 or later.

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Source Fool.com