“I weighed the benefits of taking it now vice waiting till 66 and 2 months which would have been my max.”
66 years and 2 months is your “full retirement age” (FRA) not the age at which your SS benefits would max out. That age is 70 (not counting any COLAs you might receive after age 70). Between your FRA and age 70, your benefit would increase about 8% per year.
Yup.. well aware of that. Either way it was a loss and I’m not that far off the max possible at 85%... so the “you must have had the maximum taxable earning for a whopping 35 years” is BS. Not aure how that was calculated but it’s BS.