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[quote=Anonymous]Op, it's obvious this far from this thread, but there are so many individual factors involved that there's no "right" answer.  Among the things to consider are:

- whether you need the money immediately
- longevity in your and your spouse's family
- who is the higher earner
- the age difference, if any, between you and your spouse
- whether you have reason to keep your income down after you retire (Roth conversions, ACA subsidies, etc.) 
- whether you or your spouse has a pension

For us, I am the (much) higher earner, and plan to take it at 70.  Even though my wife is 3 years older than I am, her life expectancy exceeds mine, both on the actuarial tables and taking into account family history/longevity.  I'd would like her to have the higher survivor benefits.  Neither of us have pensions, and we do have decent retirement assets (~$4m at 53/56).

My parents, both of whom have pensions, took it at 62.

I will say, the one thing that I seem to disagree with most people about is the focus on the "break even point."  I spend now and will spend in the future exactly zero time thinking out if I have broken even on SS.  I just don't care.  All I care about is doing what is best for my family.  If that means deferring until 70 for the peace of mind, and perhaps not getting every last nickle out of SS, I'm fine with that.  [/quote]

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