How long are you going to live?

The Ponzi known as SS is a small addition to a real retirement fund, it isn't even going to cover your taxes. Debates about when to start it are therefore somewhat moot, at some point it is going to run into even more severe funding problems and any benefit may be denied to those who actually planned their future.

The assumption that it is always going to be there is perhaps the biggest mistake many of us can make.

156$ a month is just enough to keep most people in cat food, beer and bait at best.

You can easily make more money by retiring to a state which does not tax your retirement payments.