That said, 59 percent of retirees are still claiming before they reach full retirement age (for most workers, that's 66 to 67, depending on your birth year), according to a March survey from Franklin Templeton.
Chaga is a slow-growing fungus of the white and yellow birch trees. It is found in colder climates in Russia, China, Canada, Northern Europe, and Northern United States.
Typical Preparations. Chaga is typically and historically ingested as a tea, but it also has been made into a tincture, and less commonly into powder that is then used as a tea; Encapsulation seems to be rare. There have been reports of it being the base for liqueurs and as a substitute for hops in beer.