“If I delayed to 66 I would have about 15000 more in total benefits than 62”
Wrong... you are giving up 4 years or 48 months benefits at 80% If you got $1,000 per month at age 66 and only $800 at 62, you are giving up $800 X 48 months or $38,400 by delaying.
Could you please show me where I am going wrong? I go to the SS.gov website and according to their retirement calculator I would get 1722/month at 62 and 2296/month at 66. Calculating to 80:
1722 x 12 = 20664 x 18 = 371952
2296 x 12 = 27552 x 14 = 385728