Originally Posted by BDW
I plan to take it as early as possible, it's the same pot of money, just divided up depending on start date.
And money taken later is worth less because of inflation.
Another factor I don't hear people mention is quality of life, I see it with my mom, she'll probably live to 100, grandma did.
But once you get in your 80's, if you're healthy, you really don't need much money.
She just wants to take it easy, no travel, or anything.

So I'll retire at 60 with zero debt, paid off house and car, and take SS at 62, and hopefully enjoy 20yrs before I don't want to do anything.

I was going to wait till 62 like ole grand dad but I don't think I can and FULLY understand fully why he left early.
I'll be 59 1/2 in 2 years and that's looking good to me at this point. My wife's disabled and is collecting SSA and has her own insurance. We have no debt.

I had 2 great-grandmothers on my dad's side that lived to be 100. The got around ok but usually slept 16 hours a day!