If she lives past another 15 years, she will regret taking early SS benefits with a lower benefit.
Huh? In 15 years there won't be any benefits left to take.
Anyone under 50 who thinks they will ever see a dime of SSI is a fool. My retirement plans specifically exclude SSI. If I get a few bucks, it'll just be fun money.
Yeah. I'm glad I set up my retirement account when I was 18. Got over 10k in it right now, and it'll just keep growing. I'll be 37 when I retire from the Air Force, so between that pension, and the job I pick up afterwards, along with my TSP (which I'm hoping will be in the 6 figure range by the time I start drawing from in), I'm hoping I've got myself set up to make sure I don't need to worry about whether or not I'll ever see a penny of the SS I keep paying.