If you paid into the SS system, even if you don't need it for retirement, collect it anyway. Unless of course you like to give $2,000, (give or take) every month to the government.

You paid in, receiving that monthly check is the only way you get any return on that investment. If you start collecting at 62, you can collect about 18 years before you loose some of what you possibly could get if you lived longer then 80 years old, assuming the system doesn't go broke before that.

They have some limiting numbers if you are earning over a specific income after you start collecting, but will readjust the numbers for after you reach your full retirement age. After your full retirement age, your income doesn't have any effect on the amount of the SS check. The only issue with collecting the SS check would be a possible income tax burden. You have tax people to figure that out.