I enjoy this website and have a question maybe someone can help me with. Many articles and opinions suggest taking SS as late as possible to increase the payout. My question is if someone has what they perceive to be enough to fund their retirement lifestyle via retirement accounts, rental properties, pension and cash savings, why wouldn't you take SS as early as possible and use that pool of money to help fund retirement rather than drawing down your personal assets? It just seems to me it would be better to not use personal assets and let them continue to grow if you can offset the income you may need by taking SS at 62. Hope this makes sense. Thanks in advance for any opinions.