I had a recent email from my younger sister and she casually mentioned that she could not wait to collect SS. She wanted to know if SS was sent to me in a timely manner and if it was difficult to apply for etc (general stuff.) When I replied that I knew the answer to none of her questions as I (at age 63) did not plan on applying for SS until no earlier than when I was age 66, perhaps later. She was completely flummoxed as to why I would "turn down" (her words) good US government cash.
I sent her a few articles on the pros/cons of taking it early and the link to a good financial calculator. She is now totally confused and all of her financial planning is "askew."
This woman, with 3 university degrees, had never taken the time to consider not applying for SS at a date later than age 62. Why?.....because all of her friends and associates said that this is what you should do.
Her friends are evidently a team of wise, or not so wise, preschool professionals.