Social security at 62

Terry I disagree with the advice in your column today about when to start taking social security. You say that taking SS at age 62 could cost a person $300 a month because they did not wait til FSA of 67. But think of it by not taking the $700 a month that person would be leaving $8400 annually on the table. Over 5 years that 8400 become $42,000. Even more if invested at minimal interest. So divide that $42,000 by 300 and it’s 12 years. So at 79 you would be losing money if you live that long. As a middle class individual I can put that $700 to great use starting at 62, until I’m 79. No one can know what their health will be or life span. To wait 12 years May be waiting for something one may not see. I say take the money at 62 and enjoy it.