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Details These sites may not reflect SMI's values or investment philosophy. Age 65 has historically been the popular choice due to it being the normal retirement age when many people need replacement cash flow. However, you can begin drawing Social Security before or after age 65 as well. The Great Social Security Debate of 2000 As appeared in the July 2000 issue of Sound Mind Investing. As appeared in the April 1999 issue of Sound Mind Investing.