Arrival in Zihua

I did the opposite and took my Canada Pension and Old Age Security at 60, mainly because I had to given the situation at the time. With the way it is structured in Canada, you break even with waiting until 65 at age 78! "

2-20-2023
@Quadra Paul

Awhile back when trying to figure out whether or not to wait 4 more years to start with Social Security.....

After "crunching the numbers", my "break even" point would be at age 77, similar to your result.

I figured that at the least, (short of having a fatal accident) I would live until the same age as my parents, around 70, which I'll reach this year 2023.

IF I didn't particularly need the funds, I would have waited until age 66, to get the higher monthly check, as the other user commented that he had success in doing.

Bottom line is that it's somewhat of a "crapshoot ".