I’m taking mine at 62; four short years! I have healthcare through the VA, and I can still work from home and earn up to $17,040.00 and not lose a penny. (2018 figure; I’m figuring it’ll go up.) I’ll let my IRA $ ‘cook’ until I HAVE to touch it when I’m in my 70’s.
At this point I’m waiting to see if I’ll take mine, or the Ex-husband’s, whichever is more. He had some VERY high earning years when we were married...before he flushed his life down the cr@pper. :(
That’s the plan, anyway. Life LOVES to throw you a curve-ball once you have it all planned out. ;)
Remember you only get 50% of the dead spouses benefit, but 100% of yours........................