It all depends. The thing many fail to take into account: Add up all the checks you would receive in the extra five or seven years if you began drawing SS dso at 62 or 65 rather than 70. Does the extra you get at 70 more than make up for all of that over your remaining years? It all depends on what you think your life expectancy is and a number of other factors.
Pretty much all men on my father’s side of the family have an expiration date of 76 years old. That really tempers my thoughts on the matter. I’m only 20 years from that now... and with my “SS Retirement” age being 67... I’m currently and will be funding other people’s retirement...