re: At what age did you / do you plan to start taking social security?

Probably 65-67 depends on economy, work life balance, and how much is in my Roth. Right now I’m averaging between .$600-$800 a month in dividends in my Roth

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dividends in my Roth

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I’m so ignorant on all this, I thought somebody in different thread said don’t put dividend stocks in Roth.

I understand one size doesn’t fit all.

I got my 40 quarters in before coming to work for the state. I plan to retire with ~25 years in, which will put me at ~65. Since I am not paying in, taking it later won't increase my benefits (at least I don't think it will since we don't pay in). If that's the case, I'll take them when I hit 67 (I may push retirement back a couple of years to do it all together, just depends on the economy, my health and what's going on in mine and the wife's lives at the time).

. If SS is just a supplement and you aren't reliant on it, take it as early as possible and just invest that money.
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Not a slam dunk on this. Delaying is getting a guaranteed 8%. If you are already heavily invested with your other money, then there is nothing wrong with leaving some in a guaranteed basket.

Also, drawing earlier has tax implications if you are still earning income.

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Outside of a really poor health situation or family history, drawing early is the gamble.

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In my head the gamble is two-fold:
Our shite govt eating up all/most of my SS and I don't know when I'll die. I just retired at 50 and based on my investments and plan, I won't "need" the money at 62. However, I am thinking of taking it and just investing it. Yes, I get that waiting can increase it a guaranteed amount vs investing, but is there a guarantee it will still be there a few years later? Is it a guarantee I won't die in my 70's and therefore waiting wasn't the right play? Those are the questions we can't answer.

I'm honestly still not sure what I plan on doing as I go back and forth with it. My wife is 7 years younger than me so I checked that link from Fat Bastard and it says my wife should draw at 62 and me 70. I just don't think I'll live long enough to make sense of drawing at 70. I'm open ears to suggestions.

When I turn 62, that's the year that they projecting will be the last will full payouts.

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where i have to wait until 67 for it to be tax free

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Turning 67 does not mean it is tax free. It just means that you aren't income limited so your disbursement can't be reduced. You can still be taxed on up to 85% of your SS disburesement depending on your AGI. (Maybe MAGI).

66 years and 8 months.
Full retirement age.
Just applied for it.

Me: 70
Wife: 62

Our reasoning is that if something happens to me, my wife will be eligible for my check amount. I want to make that amount as high as possible.

62. I’m retiring early and will make do on what is due me and leave retirement account alone as long as I can. I’d rather live my life bf turning elderly.