your benefits are reduced a fraction of a percent for each month before your full retirement age .
and what if I start later than I should start?
if you delay your benefits until after full retirement age you may be eligible for delayed retirement credits that would increase your monthly benefit. but there may be other things to consider when making your decision about your retirement benefits
so early I get less, late I may get more and at the time everyone retires or whatever it's called I get average or something like that, right?