SS take a look at the charts provided by the SS admin and you will find that if you make it to 80 there is basically no difference in the amount you will receive if you started at 62 or 70 when you have to start drawing. I know a lot of the money advice websites say wait but I think you have to look at your medical history and such. Do you want less money over a longer period or more over a shorter. I started at 65 so I was sort of in the middle. personally I think I would rather have the money when I can spend it while my health is still good.