I'm 61.75 and in a quandry as to whether start taking it at 62 or wait until later. I need to lower my real estate taxes some how though in order to have enough left to live on. I may have to move to a cheaper property tax location.
The "analysis" of this issue the government will give you is so simplistic as to be useless, and unfortunately the government line is repeated by many large financial advisors.
Calculation of a "break-even" age must consider the return on investment you receive on your other retirement savings. I did this calculation as I approached 62, several years ago. From memory, If I have savings which I can draw from and my options are SS at 62 vs. drawing the same amount from savings each year until I am 66, the break-even age is late 80s if the return on my savings is 7%, and I will never break even if I can get 8% on my own money.
Since stock market returns average 10-11% in simple index funds, the only reason to delay taking SS even a minute beyond age 62 is if one has very little savings and intends to work until 66.
I took SS at age 62, and have been very pleased with the result. I kept my money in my investments, which I control. If you have a financial advisor, and he suggests anything else, fire him and get someone who understands the time value of money. Similarly, if your financial advisor has your savings allocated to a lot of fixed income investments, your later years will be lean and sparse. Ask him if he understands the concept of "phantom bonds". Essentially the idea that SS and a pension represents streams of income which should be treated as the return on a fixed income investment. This tilts your asset allocation to more equities. If he does not understand this find someone who does.
I hate to say it, but wait for a while until you can get a job for part-time or only pays for 1600 or less. I don’t know what your health condition is but hang in. Get what you paid in.
There are several aspects to consider but the main one is simple. Don't take Social Security if you are still creating income.