My dad waited until 70, and then by age 72 began a severe decline in health which eventually saw him homebound with a feeding tube, only leaving the house for doc appts or trips to the ER. I am quite certain if he had a do-over he would have retired earlier and enjoyed his 60s instead of working at his boring job.
I think if you reach 62 and you’re gainfully employed and truly enjoy what you do, there’s nothing wrong with holding out for more benefits. But if you are able to retire earlier, I can’t recommend continuing to spend your days doing work you don’t enjoy because “what’s 8 more years”. Those 8 years could be your big chance to enjoy the fruits of your labor.
My dad waited until 70, and then by age 72 began a severe decline in health which eventually saw him homebound with a feeding tube, only leaving the house for doc appts or trips to the ER. I am quite certain if he had a do-over he would have retired earlier and enjoyed his 60s instead of working at his boring job.
I think if you reach 62 and you’re gainfully employed and truly enjoy what you do, there’s nothing wrong with holding out for more benefits. But if you are able to retire earlier, I can’t recommend continuing to spend your days doing work you don’t enjoy because “what’s 8 more years”. Those 8 years could be your big chance to enjoy the fruits of your labor.