I am 58 and retiring in February.
Got a decent pension and almost no expenses. When the misses get to be 62, we’ll start taking hers, and when I do, we’ll probably start taking mine (depending...if we can wait longer, we will).
I want my money ASAP. Not waiting until 66-67 for just a few dollars more.
The determining factor is whether you need the money. If you need the money, it is best to wait because you will need the higher monthly income as you get older and can’t work (as opposed to won’t work).
If you don’t need the money, then take it early and invest it. If you live to 72 and don’t touch it, you come out ahead assuming a 10% ROI.