The benefit amount for case B, assuming that benefits begin exactly at normal retirement age of 66 years, is not reduced except for rounding down to the next lower dollar. (ssa.gov)
I've got time to build wealth with leverage, but I won't have anything paid off before I'm at normal retirement age. (biggerpockets.com)
In the example above, a teacher reaches normal retirement age at 60 years old. (educationnext.org)