I opted for early payments at 62 mainly for the following 3 reasons.1. On a NPV cash flow basis, it takes 16 years or more for full retirement to be greater.2. Who knows what the system will provide down the road. Despite politicians talk, a means test is probable.3. Wife,who does not qualify on her own, can get 50% of mine early alsoOf course all of this depends on one fundamental question. When are you going to die?According to our local Social Security office, 90% of folks are taking it early. Hope this helps. In any event, make your choice and enjoy life regardless
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