Originally Posted by Carol1862
According to the SS optimizer this is the way to go.
I donít want to make a huge blunder so anyone who can chime in Iíd appreciate it. Maybe Iíve missed something.
At this point, there's little chance of any huge blunder no matter what you do. Virtually everyone seems to be happy with their claiming choice without regard to their claiming at 62 or 70, or anything in between.
I would follow the advice of the SS optimizer, if optimizing is your goal. (Some prefer "peace of mind" or "getting back at the government" to financial optimization, for example.) I spent some time testing the tool and it does a terrific job in almost every case. The author is extremely knowledgeable and has done everyone a great service by offering this tool for free.
That said, I'd play around with it a bit, making sure to use the Advanced Options settings to check out various scenarios and make sure they still align with your assumptions about longevity, etc.