pb4uski
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pb4uski,
While you are making a number of great points, there is one more aspect that needs to be looked at. And that is the Medicare premiums that are becoming increasingly ominous for the affluent recipients. As you may know, for 2016, those whose AGI (filing jointly) exceeded $175K Medicare premiums were slated to be an additional $375/mo. It did not happen as the Congress intervened and voted in a patch that saved that category of Medicare recipients for 2016. However, this will become an issue again next year... So, if you are in the $175K/yr area, then delaying SS and adding an additional $10-$20K/yr to your income will lead to a substantial increase in Medicare premiums.
Just something to think about when making a decision to postpone the SS...
Good point but to be honest if as a retiree my AGI exceeded $175k a year then $375/month of higher Medicare premiums would be the least of my worries, but I can see if one was close to that line that you would want to manage your income to avoid it.