I just cannot make up my mind about this. I realize all financial counselors recommend waiting but not sure that is good advice in my situation. My wife and I have no debt and a fairly new house. I have a small pension which I am currently drawing and have a decent amount in a 401K. I am torn between drawing social security early and not touching my 401K or using some of the 401K and waiting for full social security benefits. Or I could split the difference. Since I cannot decide I am seeking input. Thanks.