We are a commune of inquiring, skeptical, politically centrist, capitalist, anglophile, traditionalist New England Yankee humans, humanoids, and animals with many interests beyond and above politics. Each of us has had a high-school education (or GED), but all had ADD so didn't pay attention very well, especially the dogs. Each one of us does "try my best to be just like I am," and none of us enjoys working for others, including for Maggie, from whom we receive neither a nickel nor a dime. Freedom from nags, cranks, government, do-gooders, control-freaks and idiots is all that we ask for.
The article mentions that if you delay signing up for Social Security benefits at your full retirement age, then the payments you receive when you finally do start to collect SS benefits will be higher. Fair enough. But what the article doesn't mention is that the payback period needed to recover the benefits you have "lost" or deferred can be fairly long, in my case more than 15 years and as long as 20 years if I take into account the lost opportunity costs from foregone interest or investment capital gains I could earn on those deferred SS benefits. Unless you trust your genetics and KNOW you're going to live well beyond the average lifetime of folks in your age cohort and will therefore need extra money when you're in your late 80s or 90s, IMO deferring SS payments is likely to benefit Uncle Sam (or else the rest home you're living in) far more than it will benefit you. My advice is take the money and run.
The federal government has promised more money than exists in the world. You won't be getting but a fraction of your SS "benefits" when they do arrive. Trouble is, once you start taking government money (really your own money) you have to live by their rules.
The problem with this is that many don't have that option. I work for a very large investment house that handles hundreds of billions of dollars in retirement assets. We track statistics on our clients, when they retire & why.
The sad truth is that by 65, roughly half of our clients are forced to stop working because of disease or physical ailment. They want to work, their bodies can't handle it.
The previous commentor is correct about balancing the opportunity cost of claiming SS later vs. your need or ability to enjoy that money.
Last piece: for a couple getting two SS checks, Only spend the highr of the two benefits and save the other, because when one of you dies, the smaller check will stop... For most boomer that's a 33% reduction in SS benefits.
"few want to retire at 66 or 67"
Maybe you feel that way but most people hate their jobs.
I worked for a large company for more than 30 years and was EXTREMELY happy to see my last day on the job at age 53. Now I spend every day doing what I LOVE to do.