I had my wife start taking SS as soon as she was eligible, thinking at the time that the system was quickly going broke. But by the time I started contemplating retirement I was less concerned about its immediate future. So I decided to wait to start mine until I quit working. As an old Civil Service Fed retiree I wasn’t going to get a full draw anyway. by the time I gave up working at 69 I decided I might as well wait a bit longer until it maxed out at 70. Part of this decision to delay mine was due to my Grandfathers both living to 98 and my Dad is knocking on the door of 101. My Mothers side isn’t quite as good but all you can do is roll the dice. It’s a complex decision to make and a lot of unknowns in the equation.
