re: #137 Colère Tueur de Lapin

I plan to retire at 63. Start taking SS, then, or possibly at 65. The per month payout is lower, but the accumulated amount will be greater.

This!

And if you wait, it takes *a lot* of years for the increase in benefits to pay back the “lost” untaken early benefits

Ie 10+ or more just to break even.

Assuming no other tax consequences, take the early cash