[CodeToad]

Taking it at 62 means you cross the curve at 84 years old, meaning, if you wait until 72 then at 84 you are making more money if you wait until 72.

That said, who cares? At 84, you’re probably not spending much.

[entropy12]

Not true if you invest the money received from age 62-65.

[Secret Agent Man]

thats just it, take it at 62, and maybe you don’t use it all, so save it.

[trebb]

Yep - and a lot of folks who hold off for higher payments don’t live long enough to break even...we both started at 62 so we could do more while we’re still upright....