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Uncle Sam allows people to apply for reduced Social Security retirement benefits as early as age 61 and 9 months, well before full retirement age. But the system rewards patience, and if you’re short on funds, it behooves you to sit on your application for a while.When you postpone taking benefits beyond your full retirement age — which varies based on your year of birth — the Social Security Administration increases the amount you get as much as 8% annually until your 70th birthday, when the benefit stops increasing.Getting an 8% raise during your working years is like striking gold. Having that opportunity for when you’re living on a fixed income is even sweeter. At SSA.gov there’s a simple benefits calculator to help estimate your future earnings.More From NerdWallet 820

Watch @BaltimorePolice's broadcast: Update on fatal crash investigation https://t.co/oh5KSHtXkF— T.J. Smith (@TJSmithMedia) May 10, 2018 136

Vermont Independent Sen. Bernie Sanders and Virginia Democratic Sen. Tim Kaine will win re-election. In Florida, Rick Scott (R) is leading over Bill Nelson (D). In Indiana, Mike Braun (R) leads over Joe Donnelly (D) and Lucy Brenton (L).The first polls closed at 6 p.m. on the East Coast.PHOTOS: Voter turnout across the nation 332

Video footage captured from inside a cab shows a man believed to be Saito speaking to the driver and seemingly in a hurry to get to the airport. 144

We stand by our decision to revoke this individual’s hard pass. We will not tolerate the inappropriate behavior clearly documented in this video. pic.twitter.com/T8X1Ng912y— Sarah Sanders (@PressSec) November 8, 2018 216