When I retired last summer, one of the things that I took into serious consideration is that insolvency of Social Security may cause benefits to be reduced in the not too distant future. In the past, I was one of the I'll wait until 70 to collect guys, but a 20% reduction in benefits in say 2033 would extend the "break even" point out to absurdity. I'm definitely in agreement with Tony & his Fidelity guy. Get it while you can.