[MosesKnows]

quandry as to whether start taking it at 62

There are several aspects to consider but the main one is simple. Don't take Social Security if you are still creating income.

[GGpaX4DumpedTea]

I started taking Soc Security when I was 65, though I was still working. I did so because the law changed to let me draw full Soc Security without penalty for earned income. Because I was still paying into Soc Security my benefit increased as a result. I worked for 2 1/2 years after I started taking Soc Security.