Hmm. The self-proclaimed "experts" decide that everyone else is wrong and they are right.

The value of money is not the total number of dollars received before death.
The value of money is what it can buy at the time you want to buy.

A dollar today is worth more than a dollar 11 years (or 20 years!) in the future.
An extra $1000 at 62 can buy things like travel to interesting places with your spouse.
An extra $1750 at age 85 can buy a better quality of gruel at the nursing home.

So these "experts" are ignorant of a basic concept of finance -- the time value of money.
But they get to tell the yokels that they are dumb, so win. ?

Of course, only the top wealthiest 10% or 15% of the population have enough in savings to comfortably delay all the way to age 70, but a much smaller percentage do so.

Well, duh.
Rich people don't even need Social Security. So getting more each month is not even a consideration, let alone an important consideration.

But ... "experts" can lecture their inferiors, so win.

Grok, what is the definition of expert?
Def'n 1
* X is an unknown.
* Spert is a drip under pressure.
* Therefore "expert" is an unknown drip under pressure.

Def'n 2
* Someone on your site that came from more than 50 miles out of town.