yea, 67 is now a full SocSec age....used to be 65, but then they changed to something weird (for most: some years plus months, but for people born after 1960-67 years exactly).
I still have a few years to go, but for people approaching the date and still working the question is: do i take it at full retirement age (FRA, like 67 or slightly less ) or at 70. More money at 70 (as much as 24% more), but you miss out on 3 years when you could have used the cash to, for example, invest in something like bitcoin, property, etc. Considering that SocSec would have some kind of "crisis" by 2033-2035 (with a potential 20-23% cut), maybe it literally pays to take it at FRA.
Any of us in bitcoin should be able to make up the difference between 62 and 68 or whatever it might be, so I am sort of a fan to just start collecting it right away.. but surely the variables are going to differ. .and then how much is it that you need in order to be at fuck you status (even if you are not completely there)?
Let's say for example that a few years ago, you thought that your social security, pension and 401k and/or whatever else you have (not counting bitcoin) was going to be able to pay around 140% of your monthly expenses, but then a lot of things might have had to have been cut in half in regards to your expectations, so I am not saying any of that would be going to zero, including social security, but the debased dollars are likely causing it to be way lees able to pay your expenses than you had anticipated.. Accordingly, you need a supplement, and in comes bitcoin... so maybe you don't have full entry level fuck you status with bitcoin but if you have 50% of entry-level fuck you status, then it may well be enough to supplement your other items... yet with anything, it sure would feel comfortable to have a wee bit of a cushion, and likely bitcoin will have good chances of keeping up with inflation (debasement) in such a way that it makes up for several of the short-falls of the other funds..
Of course, we likely don't have guarantees, yet bitcoin does seem to be an ongoingly great hedge as a supplement income..
Without going into too much detail..of course it matters, but only if you continue to work.
Say, you decided to take soc sec at 62, but continue to work..this would result in government "taking/deducting" $1 out of each $2 you earn above $22320 per year. They simply subtract these $$ from your "benefit", presumably until there is a "0", potentially, so there is ABSOLUTELY no point in getting social security at 62 if you continue to work and make average salary (or above) in US, which is currently 60k/year. Sure, if you make 22-23K (or below), then, by all means, taking soc sec at 62 might make sense.
That said, if bitcoin continues to deliver, this would be all academic.