[monoflo]

The thing to me about waiting until 70 to take it ----is the great unknown about aging. I took SS about a year early (from full retirement). I subsidize it with personal funding. I'm comfortable.

Take your spousal amount into consideration also -- and for some the spousal benefit is nice -if you were a strong earner and married to a lower wage (social worker in my case) -it all helps.

As always debt is the issue when you opt out. And I still contend one needs less than the financial guys say --as much as possible is great but you get my meaning.