This really wasn't a very good article, but the topic is always worth discussing. You have to register to read the article, but there's no charge. 
http://www.nytimes.com/2007/05/12/bu...th&oref=slogin
" A Contrarian on Retirement Says Wait
By DAMON DARLIN
Published: May 12, 2007
Come retirement, it will finally be time to get back the money that has been extracted from your paycheck your entire working life. Indeed, requesting your Social Security benefits might seem like the first order of business as soon as the going-away party is over. But you might be a lot better off waiting a bit longer, until age 66 or even 70 before tapping into the government retirement fund. Relying at first on other savings like individual retirement accounts or the 401(k) from work could raise your living standard in retirement as much as 10 percent, according to calculations made by Laurence J. Kotlikoff, an economics professor at Boston University. . . "
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