If You Retire Earlyr  You can retire at any time between age 62 and full retirement age
did you start benefits early?
No I did not
are there pros and cons?
There are advantages and disadvantages to taking your benefit before your full retirement age .   [The advantage is that you collect benefits for a longer period of time  The disadvantage is your benefit is reduced
what if I start benefits early?
Your benefits will be reduced by a reduced a fraction of a percent for each month before your full retirement
oh ok
No matter what your full retirement age also called " normal retirement age " is  you may start receiving benefits as early as age 62 or as late as age 70
no thanks