a friend told me about this site..
http://stabenow.senate.gov/socialsecurity/calc/index.html# heres how she comes of those calculations as well (its at the bottom but i thought id link it)
http://stabenow.senate.gov/socialsecurity/calc/images/ss-calculator_assumptions.pdf you can basicly plug in any numbers you want. as you can see the earlier age, the less money you get.
that sucks