Well, I'm definitely in the second group -- I don't need social security. But I still care about taking it the right way, as that would mean I have a few thousand more dollars to spend every year. What I can't spend I can give to charity, where a few thousand dollars can make a big difference to the recipients.Also, if I look at SS as insurance against poverty should somehow everything go pear-shaped for me (except for SS), then delaying clearly makes sense. That's not a completely irrelevant position to take.-IGU-
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