Our decision was based on whether we wanted to leave an inheritance or not. My analysis showed that waiting to take SS at full retirement age would leave at most an inheritance in the low 6 figure or high 5 figure amount. Taking SS at 62 will leave it in the high 6 figure or low 7 figure amount. Based on this, we chose for me to take SS at 62. My wife who will retire this year, will take SS at full retirement age based in my record. She's affected by GPO, so this is the only way to maximize her SS benefit.