With our present administration (that's all I'll say about that), I grabbed my SS the day I turned 62. Who knows what's in store for the future? I also figure this next decade or so my husband and I will be more mobile than later on and I'd rather have a slightly smaller SS cash-flow now than wait for a larger amount when we may be less active. But, each person's situation is different. I don't think there is any right or wrong answer.