[aigel]

This is far away for me, but I like the bird in the hand. So I will take it early.

As others have mentioned - you feel great now at 62, but don't assume it will stay like that. Sure, you likely will be 85+, but from what I have seen many times - family and friends, even in good health, after 75, you will be geriatric and your options to spend money on fun stuff (besides medical expenses) will likely go down.

So, in all reality, you have about 10-12 good years. Waiting for SS benefits doesn't sound the best way to spend them, unless you really have to worry about making it to end of life without running out of funds.

Look at the age demographic on this forum. Not many over 75 even posting and the ones that are, often have pretty sizeable health challenges keeping them back.

G