AdvertisementAndrea, 64, faces a tough choice after a layoff: find a job or start collecting Social Security. She had planned to keep working until she reached retirement age at 67. Decisions about when to stop working and take Social Security have become a cornerstone of the retirement experience. Many wished they had waited to receive their maximum Social Security benefit, while others retired early for reasons outside their control. She said her husband, who is a retired attorney, receives several thousand dollars a month between his Social Security checks and pension.

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Persons: Andrea, Andrea —, that's, you'd, Roth, Doug Ornstein, Ornstein, — Organizations: Social, Social Security, Roth IRA, LinkedIn Locations: Minnesota's Twin Cities, TIAA, United Kingdom