The woman considered America's first baby-boomer signed up for her Social Security benefits on Oct. 15.
That opens a flood-gate some economists say could bankrupt the system.
62-year-old Kathleen Casey-Kirschling was born January 1, 1946, just barely after midnight.
She's one of 80-million Americans born between then and 1964.
Social Security and Medicare payouts for aging boomers could cost $50-trillion over the next 75 years.