Indeed, people who counsel waiting note that it’s like getting a 2.8% risk free
Goofy, I believe that that line says it all (to me). That’s what was implicit in the calculation that I did, and I’m sure for other savvy investors … taking SS later implies that you either aren’t an investor or else you have a very intense risk intolerance.
I’m guessing that most readers of this board aren’t so incredibly risk-averse that they’d happily accept 2.8% risk free when the alternative is having that money available for investing. No risk, no reward.
as always, i am full of carp