I did a What-If on my plan comparing 70 (My Plan) to 62 (What-If). From ages 62 to 82 the What-If balances are higher, but from 82 on the My Plan balances are higher. At age 100 the My Plan balance is 161% of the What-If balance.
What are you using for an investment return assumption?
If you are married are you adjusting your DW's benefit as well. In my case, DW was a SAHM so she'll get a spousal benefit based on my record.
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