The question is only an issue for a very small group of people.* People with little money cannot delay -- so no decision needs to be made.* People with lots of money don't need SS at all (as the saying goes: "SS for lap dances") -- so the decision is of no more importance than the decision of what size latte to buy at Starbucks.Those two groups probably total 99% of the people eligible for SS. The remaining group is people who have enough money that they can easily get by with 8 years of not receiving SS, but not so much money that SS is immaterial.I think you are grossly underestimating the number of people that benefit from determining the best time to take their SS. I've worked with hundreds of people that are not in the top income tax bracket to help them best determine when that year might be. In many cases, the result was to spend down some of the retirement assets now in order to secure a higher guaranteed income in the future from SS. In other cases, the result was one spouse or the other taking a small part time job to supplement income in order to postpone SS. In other cases, it was helping one spouse TURN OFF SS and repay it so that they get a better deal from SS.The proper goal is to retire with $1M-$2M so that you don't have to depend on SS. And how small is the percentage of people that actually do that?There are more ways to get SS wrong than right. I strongly encourage all married individuals to spend some time determining when is the best time to take SS.
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