Take the money as soon as you can. While you bring in less for early 60s withdrawal, if you wait until you are 70 you have 5 to 8 years of earnings to make up for and probably will be in your 80s before you are actually making more money for having waited.
The advice to wait is, I believe, for the benefit of the government and not the worker.
Took mine at 62 and no regrets at 85.
My sense is that those who take it early tend to be in more need for money, but by taking it they are likely to work less and so end up with less. Of course, nothing applies to everyone.