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No. of Recommendations: 4
You're still misunderstanding the actuarial science. If I have a larger inflation-adjusted SS check when I'm age 80, I can safely withdraw more from my retirement saving at age 62. The question is which strategy gives you the most money over your expected lifetime.

^ This is the part that gets overlooked all too often in these discussions. A while back I ran some scenarios in cFIREsim and each scenario showed that delaying SS either increased the SWR and/or improved portfolio survival.

At least for the inputs I used, if you want to spend the maximum amount of money in your early years, you should delay SS.
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