We had a whole thread discussing When and Why Did You Decide to Take Social Security.
When to take SS depends on how long you need it to last and how significantly it figures into your retirement income stream. DH and I took it at 65/64 on the advice of both our FP and CPA. We didn’t figure it into our retirement planning, so it’s all gravy. Maximizing it was never a goal, and taking it early means drawing less than 2% from our portfolio. It can go away and we’ll still be fine.