One of my motivating factors was while i did get a lower check than if i waited, the crossover point was around age 71, having gotten benefits for nine years it's only at age 71 where it would have benefited to wait. And i didn't want to be one of those that kacked one month after starting benefits, i wanted to get my money back.
You sure about that? When I ran the numbers for a number of different ages of of when to start accepting payments (ignoring the time value of money and any tax issues), they all hit the "breakeven point" at age 81, give or take a month. 71 seems young, especially when you must begin accepting payment at age 70.
