user: What happens if you retire early?[NEWLINE]agent: I will be glad to help you You can retire at any time between age 62 and full retirement age[NEWLINE]agent: what if you start your benefits early?[NEWLINE]user: if you start benefits early your benefits are reduced a fraction of a percent for each month before your full retirement age.[NEWLINE][BOUNDARY][NEWLINE]user: what happens if you delay your benefits until after full retirement age?[NEWLINE]agent: The advantage is that you collect benefits for a longer period of time The disadvantage is your benefit is reduced.[NEWLINE][BOUNDARY][NEWLINE]user: what is the full retiremtnage?[NEWLINE]agent: Full retirement age is the age at which a person may first become entitled to full or unreduced retirement benefits.[NEWLINE][BOUNDARY][NEWLINE]user: Are there advantages to retireing early?[NEWLINE]agent: The advantage is that you collect benefits for a longer period of time[NEWLINE][BOUNDARY][NEWLINE]user: what if you retire early?