[marktwain]

I'm not sold on the "take it early" argument. The difference is pretty significant. I'm on track to earn $3,007/mo if I can wait until FRA at 67 (just 9 years away). Taking it at 62 is $2,107/mo. Waiting until 70 gets me to almost $4,000/mo.

Much depends on how much you enjoy your job.

I had a good career, and overall felt productive.

As the bureaucracy aged, and became more burdensome, the job became less enjoyable.

I got out at 62 and started doing what I enjoyed and was passionate about.

I would not trade that time. It has been wonderful.

[SamAdams76]

There’s certainly a value in quality of life as well. If I did not like my job, taking Social Security earlier would be more of a choice. Currently I like my career and would like to stay in it so long as I stay healthy. But that could change rapidly. This year, with the pandemic, it remains to be seen how viable my industry will be over the next 10 years.