For each year before your full retirement age, you lose a hundred dollars a month, so I will be getting 200 less per month than I would if I waited. BUt, I don't think my mother has two years left to live, I do have help during the day while I'm at work, but I feel I am the better caregiver and should be there. Everyone tells me to keep working, but I feel sad that money needs to take precedence over my sweet mother. The economy scares me in that the cost of everything keeps risiging terribly and when I'm older the extra money could make a huge difference in quality of life. I need advice on my options.