Started mine at 64. Laid off, retired same day. The next week I got my first retirement check and the week after my first SS check. Cha Ching! For me the break even point was something like 12 years down the road so I figured I needed the smaller amount now. Not that much smaller in my case. Good luck.
For me, it’s about being able to earn AND collect SS, which is why I’ll wait ‘till 66, which is just over a year from now.