I took a personal finance class in college and the instructor was big on taking everything, SS, pensions etc., the first day you can get them.
The government is NOT interested in helping you make "wise" decisions.
The government is interested in seeing if they can get you to put a hold on what you are owed, and then hoping that you die before your number comes up.
Our financial advisor was of the opinion that, once Congress removed the “file and suspend” strategy about 2 years ago, the best strategy was to focus on ROI. Look at it this way, you’ve dumped all this money into the Govt pot over your working years. If you’re 62 and delay until 70 to take SS, you could die at 69 and your ROI would be zero. Your ROI would be better taking SS at 62 since nobody knows when our time is up. And even if you waited until 70, and would draw more per month, compared to somebody who started at 62, you’d be well into your 80’s before the amount of money you’d gotten from SS would equal what you’d gotten from SS by starting at 62. Start using that money or get it from the Govt and re-invest it as early as possible.