I draw full SS and work full time, started drawing at 65. I didn’t see this mentioned in the article. Wait until your old enough to hit full retirement and there’s no penalty. Almost 2500 a month on top of my current income. I say draw at full retirement and work as long as you feel good and your health holds out. I love what I do so that really is a determining factor. My wife retires early (62) in less than 2 years and plans on staying on part time at the hospital. Neither of us are ready to just shut down completely, heath matters could change that but that’s the plan at the moment.
What will your wife do for health insurance when you retire & don’t work anymore?