Why don't you just say "People who make a different decision than me, people who have a different opinion than my opinion, people who decide how to live their lives differently than I think they should run their lives --- all those people are wrong and I am right"?

You never stop and think that maybe other people can have a different opinion than you. That they may have reasons that they see as right for themselves, REGARDLESS of what your reasons for yourself are.

You never want to look at things from their point of view.
You never ask "Why is the highest percentage of people taking SS at age 62? What are they seeing that I don't see?"

We just had an election, youtube & tiktok are chock full of the people who voted for the losing side going absolutely batsh!t crazy because they were in the minority. It's the old trope "everybody is out of step except me".

You are being like that -- except without the histrionics.

The top ages for claiming SS are:
62, 66, 65. Those total 65% of the claiming. The other ages total only 35%.

Only 10% file at 70, yet it's the other 90% that are out of step.???




Of course, some people say, "I can take it at age 62 and invest the money in the stock market", but that's not a guaranteed 8% return.

Nothing is guaranteed in life. My next door neighbor was just killed in a head-on collision 2 weeks ago. (I have no idea of when or if he was getting SS.)

The median 20 year return of the S&P500, 1950-2017 was 10.7% PA.
The *minimum* 20 year return was 6.3% PA.

The 62 vs. 70 breakeven age for a 6.3% return is 101 years old.


even I see the benefit of waiting until 70.
Maybe you need to open your eyes better. Since 90% of people claiming SS see differently.