As a young adult, you already know your financial choices are important. Millennials (born between 1981 and 1997) face a tight job market, big student loans, and more. To minimize stress and achieve your personal goals, responsible decision-making is critical.

Each year, many Americans make the decision to receive Social Security benefits early — at age 62. It’s a choice that comes with both benefits and drawbacks. If you’re considering it yourself, it’s important to consider all the potential results.