When I retired a little over 5 years ago at age 62 and 2 months, I ran the numbers on taking SS then or waiting until I was 66 and 6 months (my full retirement age). My so-called “break even point” was age 79.
Figuring I may not live that long, I started collecting SS immediately and left my very healthy tsp account alone (that’s the federal government version of a 401k)
I collect a substantial federal pension and my wife gets a smaller pension from the school (same one as Tonik)
five years later, I still haven’t touched a dime in the tsp which continues to increase every month 👍