IMHO, a wise strategy might be to take SS early and invest it so it can grow.
Can wait 3 years and it’s like earning 600 per month on it when it catches up in about 8 years
They do disclaim they could drop it by some percent in 2035 and I’m still ahead by a few hundred. Investing is not as certain as that and high risk investing isn’t good later in life.
Thats one way of looking at it
If you don’t need it why take it out
I did that. It worked for me because I was investing during a long period of stock market growth. I was lucky.
Even better, live on the SS and let your investments grow. Don't ever deplete your own nest egg to wait for higher SS.