Go to the social security website (https://www.ssa.gov) and look at what your benefits will be at age 62, 65, and at 70. Considering the time value of money, when do you think is the optimum age for taking Social Security? Do not use dollar amounts, use percentage changes based on age. For this discussion, assume you can retire anytime after 62. Focus on the time value of money. Also discuss any qualitative factors you think are important in this decision.