Can you tell us how old you are and when you plan on dying ?
Exactly....
I/wife never computed our SS on our "break even point".
Money is for the living - not the dead
...
We computed the scenerio (if you wish, use:
Social Security Benefits Evaluator - T. Rowe Price and just plug in a dummy name, along with your SS projections.)
We found (for us), it makes sense for me to file/suspend at age 66, FRA (yes, I'm age 66
) and for my wife (who will be FRA -age 66, in May - three months from now) to claim a 50% benfit based upon my SS earnings, and both claim "our own" at age 70. BTW, that's less than four years away, for me.
Our goal is two-fold; maximize our SS while we are living, and maximize DW's SS benefit upon my passing, since the stats show that I will go to the "great beyond" before she.
We do have the advantage of being retired (more than sevaral years) and are able to fund our retirement "adventures" without SS (e.g. if you need SS income, then claim it at early/normal FRA date). However, we're blessed not to look at SS as more than an income that will allow us to accumulate assets to be passed on to our (disabled) son.
Two things about SS; "break even" dates don't mattter (as I stated before - money is for the living). As for "over accumulated assets at death" (for those that wish to spend every last penny before they shove off this "mortal coil"), I just say that
I would rather die with money, than live without it.
FWIW...