One additional point: the median age of death for Americans is south of age 80 (approx 75 for males, 79 for females); there’s a reason government pushes for you to wait until your 70, because if you do, very few will break even by delaying SSA at their full retirement age (67, if born after in 1960 or later). Most…

While I totally agree with you primary point, your break even calculations are off. I started taking SSA at my full retirement age of 66-2, my monthly benefit is currently 3200 / mo. The number of months until I reach 70 is 46, which means I will collect 147, 200 in benefits upon reaching age 70. Had I waited until…