[i_robot73]

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You should start taking SS as soon as possible. If you are still working, invest all of it in mutual funds/Roth depending on your tax rate. It will earn faster than the increase you get by waiting.
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Not only are you more likely to make up the taxes/lower $$, you’ll have something you can actually bequeath to family upon death.

[Night Hides Not]

I filed my SS application online. It was followed by a 30 minute phone call with a SS rep in Birmingham, AL. The dude knew what he was doing. He gave me a big surprise when he told me my 16 YO son qualified for a dependent benefit until he graduates from HS.

Had I known that, I would have quit working last year when I turned 62. I got a part time job that will get me close to the $17K level until I hit 66. All in all, "retirement" (such as it is) is underrated.