Dtail
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
This is a constant discussion here but always a personal decision based on so many other factors, such that "it depends" is the only answer.
What I have come to believe however is that there are two types of people who take SS at 62: Those who really need the money and those who don't need it at all. The former is obvious, the latter is 'fun bonus money' to enjoy while still young enough. Those in the middle want to maximize their benefit for any number of financial reasons.
My personal reason for 62 was that I'm in the 'don't need it' group but with the added concern that future changes could reduce the benefit; I'm a 'take the money and run' type.
Yeah, we are in the middle group, with heavy IRA tilted portfolio. So lots of decisions in how to manage the future RMD's.