80 might well be the "break even point" for you to take SS at 62 vs 70. So if you live to about 80 it does not matter much. That is how the system is designed.
Keep in mind it is not just about getting the most out of SS but about running out of money. To work longer and take the money later has you far less likely to run out of having enough money.
When you and your sibling are both 80 and one is receiving half from SS because they started early and both your savings are depleted.... what check would you rather be getting?
If you have a fat investment account and SS is just a distraction it may not matter much unless disaster strikes and you are suddenly heavily dependent on SS.
Of course if you expect to live to 85+ the decision gets easier.
Also if the spouse is depending on that check and far outlives you it could be quite a gift to wait. Especially if spouse is a bit younger. The payment does not always completely stop when you are done.
Just a few random thoughts. The future is still unknown.
