That's how I've looked at it. For me:
I am retiring from work at 55.
My retirement and interest on other money will provide me with my current monthly pay (knock on wood nothing crashes).
I want to "enjoy" my first 10 years of retirement doing things that I don't have time for now. That will use more money than I currently use per month.
Once I start to slow down, I will be able to start taking SS.
I will use the SS to rebuild any excess I've used during the first 10 years so I have it later when I need more care.
It's all a balancing act.
