I could care less about the break-even point and too many people focus solely on that. My wife and I both have significant pension income and have no need for additional income at this time. We’re delaying so the last person standing can get as much SS as possible to make up for the lost pension income. If I don’t “break even”, I’ll be too dead to care.
Like Ross Perot said in the ‘92 Presidential Debates, “What do I need Social Security for?”.................