“Will collect at 62”
Unless you are in poor health, it generally is best to hold off collecting Social Security until you hit full retirement age, which for you is 67 I believe, or for as long as you can before age 67.
SS cuts your benefits by 8% a year before full retirement age, I believe.
One can run down their assets, go on food stamps and in my county delay paying property tax after a certain age.
Even delaying by just a year spares you from an 8% cut.
You have to expect to live at least 12 years to expect that 8% reduction avoidance to pay off.
Been drawing it for 17 years with a 40% penalty for other retirement.