id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
fsr-3297	Scott Docking, Diane; Fortin, Rich; Michelson, Stuart	The impact of age differences and race on the social security early retirement decision for married couples: An extension with gender role reversals	2017	25	.pdf	application/pdf	12317	376	69	The two terms on the right-hand side of the equation, %Benefit_3 � � 1 m � 1 1� IRR 12 � m and %Benefit_4 � � 1 n � 1 1� IRR 12 � n , represent the present value of initiating receipt of benefits at retirement age 2; the two second terms on the right-hand side, � 1 1 � IRR 12 � N3�N1 and � 1 1� IRR 12 � N4�N2 discount the present value of benefits at retirement age 2 back to retirement age 1 so that the IRR can be computed at the same point in time. Spouse earner, spouse age � spouse age, spouse and spouse retire at same time Now, assume Angela was born in 1952 and is four years younger than Michael.	cache/fsr-3297.pdf	txt/fsr-3297.txt