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Huh? I thought one's as-yet-unclaimed SS benefit goes up a steady 0.00666... a month (like he sez, 2/3 percent per month before full retirement age), which is 8%/year. What does he mean? And why apply this rule only to individuals, not couples? Because he assumes the older-and-of-course(!)-higher-earning spouse will do the apply and suspend plan?

I ran my numbers as if taking SS each year from 62 to 67. The only thing I could discern was that taking it at 64 had the break-even point with age 62 occurred a little earlier than the other years. I just checked whole years, so I didn't test the 67 and 7 months. Oh, I just realized a flaw in my analysis. I forgot to inflate each benefit starting point. I don't think it will change the analysis much, other than having break-even points occurring earlier.
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