Strictly a judgement call based on many personal factors, and guessing as to one’s life expectancy projections.
I have friends that died before even retiring.
That said, I started taking mine when my SS pretax broke the $2k level. A few months prior to my “full benefit amount at age 65. I was forcibly retired at that point.
Wife cosmetologist is 64 1/2 . her full retirement is 67
She wants to keep working, so we will likely delay hers a number of years. It’s not really needed at this point.
IN MY OPINION, taking SS at the earliest possible age is just not a smart move. Especially if for greed vs absolute necessity.
Where else can you get guaranteed 8% annual paper yield at zero risk?