Is that still true now that we have the wonder of a $10,000 i-bond with a 0% coupon and a 9.62% inflation adjustment?
If the person can afford to DELAY Social Security benefits for three years, the payoff is far higher than the I bond. The increase is about 8% per year of delay. So a three-year delay is 24% higher benefit forever. That beats 9.62% per year for three years when you look PAST the three-year delay period. There are no promises the 9.62% rate will continue. The 24% increase won’t change.