Recently ran the ss numbers for a 66 year old uncle and both in-laws (in early 70’s) for comparison. All we’re near but not at the max benefit. In all three cases it made no sense to delay the benefit. For the uncle it became clear that putting it off a year was a bad decision. it’s going to take over a decade to break even and that’s assuming no interest on moneys he could have been banking that first year at 65. Anyhow, no point for someone my age (49) looking for at least another decade.