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Whoops, correction(s) needed.

I said I started talking SS at 65 1/2. Don't know where that came from, but it was at 62 1/2. I've been getting it for nearly 3 years.

And if I had it to write over again, I'd say something like: even if the 'breakeven' is 84, suppose you live to 90. You've "lost" 6 years worth of increases, but I submit that the money is better used when you are younger, more active, more able to use it to travel, for entertainment, etc. As you age (especially past 85, in my experience), your world tightens. Foreign travel is a chore, entertainment mostly consists of getting together with friends for a meal, or perhaps watching television.

Now other people may have different experience, but based on my parents, Mrs. Goofy's parents, and others we have known, I think I'd rather have a few extra bucks now than worry about having a few less when I'm 87. (Of course I intend to have plenty enough to get into a retirement home, but then your world diminishes even more.)
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