I will make this short without too many details.
I took mine a year early and it "cost" me about $90/ month. My wife took hers early and if I filed she could get half of my full age payment which was more than $125 dollars above what hers would be by itself. Didn't have to think too long on that one.
Breaking out the numbers, if I put mine in the bank for a year and then drew on it to make up the difference it would last 15 years. When the guy at SS ran the numbers on my wife's payment it was also 15 years, not counting the extra $125 per month from getting 1/2 of mine.
