I chose to take mine at 62 after seeing my brother in law receive one check before death from cancer. He would have received two but he passed away three hours before midnight on the last day of the month. No regrets.
Found out that now I am in style drinking Pabst Blue Ribbon Beer "PBR" since it has become a craft/designer/yuppie brand in our area. 18 pack for $10.95 and I must admit taste the same as some pricier IPA's.☺