I’m nearly 67.
I haven’t taken it yet.
I’m pretty healthy and my family members are naturally long-lived.
I am 62 and taking my SS already. I have 3 brothers who didn’t live to see 65. My parents died at 75. I am enjoying having a bit more cash flow. Tipping is now a pleasure, for example.
Every person has their own story.
Assuming you could have started at age 62, how much money have you given up in exchange to what you might receive at age 70 if you live that long?
And how many years will it take to recover what you gave up by not collecting SS?