I'm 64. I checked the difference in the SS check if I retire at 65 or 66. It's $130/mo. It would take 13.8 years at the age 66 rate to get back what I'd lose by waiting the extra year. 65 is looking pretty good right now.

“In a time of deceit telling the truth is a revolutionary act.”
― George Orwell

It's not over when you lose. It's over when you quit.