In spite of all the advice that discourages retirees from collecting Social Security too early, boomers can’t wait. Paul Briand of Examiner.com cites an Associated Press report that applications are up 23 percent from a year ago, in part because boomers are anxious about their retirements and eager to lock in a monthly payment, even a small one. Another force at work, however, could come from “anxiety about the future of Social Security and a desire to lock into a monthly benefit now before anyone starts tinkering with the program.” In that case, it doesn’t matter how many times you tell clients that waiting until full retirement age can increase their payout by between 25 percent and 30 percent.