Thanks for sharing your thoughts Martin.

I agree wholeheartedly with most of what you said. One thing that's important to note is that claiming early at 62 costs you more than "a little bit" in terms of benefit reduction. According to the SSA, claiming at age 62 permanently reduces your monthly benefit by as much as 30%!

Also notable is that the critical life expectancy number isn't the one for the general population, but rather the one for retirement-age Americans.