My Preacher waited until 65, applied 3 months early. He was a thin, healthy man. Had all his medical which ran great. At a ministers meeting he went to his car for something, DIED OF MASSIVE HEART ATTACK. 1 months before he drew the 1st check. His widow drew off it when she turned 62. Still doing so, down side SS kept what she had paid in, as a State worker.
I understand all that. The point is I need more money than SS will pay out so I have to work. If I take it now I’ll basically wipe out any benefit so why do so?