If you retire in Jan. you will be able to collect your social security for the whole year, I think. I am 68 and was forced to retire due to my husband's illness at age 66. When I went in to the S.S. office of the year I was 64 .(to inquire about Medicare) the man told me I was eligible to collect from Jan. of the year I turned 65. I thought I would have to wait until I actually was 65. Check it out, may be different since you are younger than I am.