My team and I have run more Social Security retirement projections for clients than we can count.  When we do, we incorporate many assumptions about longevity, interest rates, spousal benefits, inflation, work history, taxes, other assets, and more.  In some cases, there are some valid reasons for starting benefits at age 62, such as a loss of employment or not enough assets to supplement an early retirement.   However, in a vast majority of cases—especially those with good health and normal life expectancies, it simply makes more financial sense to delay taking benefits if possible.  Andy Landis, shares five bad reasons to claim Social Security benefits early. I agree, and could probably add more, but he explains them very well.

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