Major Tom
Thinks s/he gets paid by the post
I did the same - with the same results.Last night I ran Firecalc a few times, one variable being when to start SS. It made less than 1% difference whether I took it at 62, 66 and a few months (FRA), or 70. That was a bit surprising. If we do a bit of part-time work, we are at 100% no matter which, so I had to remove the part-time work to find the difference. Now I'm really undecided--how to decide! Probably the 62 for reasons several have articulated.
For the record I'm not married, and no plans of being married, so these decisions are much easier. Unless anything substantial changes, I'll be taking SS at 62 (which is a way off for me).
I'm getting by on my low income for now and am hoping to increase it a little in a few years. However, the big bump-up in income due to SS wil be very welcome. As AWeinel said - MAD money