Not sure if this has been covered, but my 15 YO son qualified for a dependent care benefit, 1/2 of my benefit until he graduates from HS. That same month I reach full retirement age, the earnings limitation goes away.
I paid into SS for over 40 years. Thanks to that and my 401k, I can do what I want to do.
Im 63, and both grandfathers and my dad all passed away before their 60th birthdays. The decision was easy.