I decided several years ago to wait several years beyond age 62, before starting my SS payments.

My rationale was because of higher monthly payments down the road - and because I'm still receiving 'earned-income' that cannot be '3 card Montied' because of an LLC, or a family situation that could cloud/camouflage my working income as some most assuredly do.

And finally, I just don't need the money regardless whether I choose to work or not, going forward. SO, why not let the monthly payments grow @ a 8% compounded annual rate to age 70?

Wondering what some of my contemporaries here have decided to do insofar as their SS payments are concerned?

I'm thinking 68 yrs. at this time - we'll see how my health holds up though.