[Adrian Thompson]

I'm going to make the assumption that most people on a board like this are financially educated enough to have been saving outside of Social Security for their retirement. If so, I've read many articles over the years that say of you plan on living past 80ish then don't' start collecting Social Security until your 70. Waiting until 70 give you such a step up from starting at 66, 65, 62 etc. that you come out ahead in once past 80 (it might be 81 or 82, It's been a while and I've read different figures.