Most of the seniors I know personally seem to have started collecting their SS benefits right at 62 years old. I realize some people don't really have a choice in the matter, but it seems like it would be preferable to start SS benefits later if possible to lock in a higher benefit. I was recently talking to someone in her seventies who said she hasn't touched her 401k money, but had started collecting SS at 62 because she needed the money to live on. This seemed backwards to me, but maybe I'm looking at it backwards. What do you all think?