You’ve got to be stupid to wait. If you wait years to collect what was stolen from you, all that money is gone. You don’t ever get any of it back. They’re hoping you die, and millions wind up doing just that before they ever collect a cent.
If you die early, you don’t know the difference. If you live long, economically you may suffer if you took the payment to early. I planned on living long.
I turn 60 next month and plan to move with my Thai wife back to Thailand at 62 and take SS at 62.5 years. Everything lines up, ending leases, etc. Cost of living there is significantly less. 401k money will be gravy. No housing costs as we already own property there. I watched my dad get forcibly retired at 65 and mom work until 76. Not gonna do that. Now they are too medically challenged to enjoy life the way I want to. So yeah, everyone is different. Quality of life matters.