I'm not paying attention to the clown that wrote this article. Every situation is different. I'm going to start SS one full month after I turn 62. I have a level income pension that drops by the estimated SS benefits at age 62. The pension covers all our expenses except for income tax on excess interest income. Our investment portfolio continues to grow. If we used the money in our investment accounts to cover expense shortfalls, we will have less invested. At the current rate of return, our portfolio doubles about every 10 years. There is no guarantee that SS will be solvent 10-15 years from now.