You’ll recoup all the money you lost if you start drawing early. Only way that might work if toy are in debt up to your eyeballs and have to work but then I would go ahead a draw it. The Government wants you to think that way so they keep more of you moneyNot planning on seeing a penny from SS, but for my relatives and friends near retirement age, I generally recommend delaying benefits until 70, assuming they have sufficient assets to make it to 70 without reducing their lifestyle.
Not only the numbers make sense, it's also a form of an insurance.