I am not going to do the math since people have already done it. I believe it is better to take it early. If you don't need it...invest it and it will grow more at a low rate then waiting till you are older.
And the NUMBER 1 REASON to take it is sad. My husband only collected for 1 year after he started to get it at aged 62. He would have really been mad if he had not collected anything after putting in all those years. You never know how long you will live...so get it now. I am not eligible to collect since I taught in Ohio. So now others who live longer Will get our share.
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