I haven’t applied, and was going to wait until 67. But I’m having 2nd thoughts, now. I have a nice 401K for 65, and an $8.5mm Family Farm Business (closed 2011) for sale, but I’ll be lucky to get $1.5mm for it, if I can even sell it, in this 0bummer-destroyed economy. And cap gains tax jumps-up on Jan 1st, again dbl-taxing any sale monies. Screwed anyway I turn. My corp/personal CPA and I are looking at options.
My numbers are nowhere near your’s, but I figure...”get it while you can.” None of us know how long we have left on this blue marble.
Right now my SS makes up about 50% of my income so any income tax I have to pay on those benefits is a hit.