Like you, I have NEVER planned on getting SS.
Since the time I was 16, I was told it would be broke before I ever could get it.
I am 58 now. I paid off my mortgage last month.
I would advise everyone to take as much SS as you can as soon as you can before it is gone.
My wife is disabled (not fake disabled, but really unable to work) that’s the only SS money we will see. we are worried they will require the jab for SSD and Medicare (they dumped her on that now too) she’s not even 40 yet.