I’m 62 and a half. I will file when I am 66, even if I am working. I could retire tomorrow with about $80,000/year without SS, mostly because I have lived frugally and saved. I could and do support reforms to SS, my only caveat is that I oppose “means tested” reforms because that causes perverse incentives. People of my age and earning history who blew through money with expensive vacations, new cars and big houses shouldn’t be rewarded with fatter Social Security checks.
To play Devil's Advocate, couldn't that be countered with, if everyone saved like you, instead of spending on goods and vacations and what not, the economy would crash? Because that's basically how our consumer-based economy is set up, the government hates savers, they want people to consume now.