I did the math for calculating the difference in waiting......came up with nearly 10 years before amortized reversal of value. Also, many of my friends died already-never even made it to 62. I started @ 62, collecting in my 5th year-no regrets. Let's not forget: those self-serving bastards in D.C. are angling hard to eliminate SS as an entitlement--which is/has never been such-- WE AND OUR EMPLOYERS PUT/PAID IN, so why can they take it away? we all know they spent it and are merely covering payouts with current pay-in employees...

Tell me again how many make it to 70? and then, what condition are they in? buying meds and depends? in care facility? had a stroke or two? bypass surgery? fibremyalgia? etc, etc, etc, When/ how do you want to enjoy YOUR SS? doing what, with what ability???

I retired at 49 and I'm kind of doubtful I'll see 70, so I'll survivor benefits are all I'm considering. I doubt I'll ever collect myself.

I retired at 63 because I wanted to make sure I got as much of my money back as I could before I die. If I waited until 70 and die at 72 or 73 (as happens a lot in my family) the government gets my retirement that I paid into my entire life and that just wasn't happening. I refuse to give money the government took from me my entire life to someone who has never worked a day in their lives or to some illegal alien (which is what the democrats want to do) who has 5 or 6 kids.