Moreover, those who do should avoid tapping their retirement nest egg and delay taking Social Security benefits while they continue working.

FORBES: Delaying Retirement, But Not Your Retirement Dreams

This would be done by taking DNA from the patient and fusing it with an empty egg cell.

BBC: UK to 'approve therapeutic cloning'

Assuming there is a comfortable nest egg, for a single person in good health, it makes sense these days to defer taking Social Security until age 70, says Mr. Jones.

WSJ: It's Never Too Soon to Start Planning Your Retirement