Negative at least for dad. Dad used his retirement after he lost his job of 28 years in 2013 and didn’t want to work after that so he sat until 2015 and then bought a truck for $30,000 and drained all his bank accounts with lottery tickets and whatever. Mom maybe able too at some point but probably not before 75. She actually took retirement from her previous job but with my dad choosing not to work except once every two or three weeks she had to get another job and now can’t draw the retirement check now because she makes too much for that so they took it away from her until she makes less money and qualifies again.