^^^^ This (what SOL posted) .... and there is no "one size fits all" answer. SS is gravy $$$ I never counted on, don't really need, and the early payouts are invested too... at a nice guaranteed return which moves the "break even point" much later.
Being single, the gov would just love for me to croak .... Poof .... gone! Both me and the payouts
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Lotsa ways to play this imo.... consider the variables as they apply to your situation.