I too waited until I was 70 to collect — because it amounts to an 8% increase over collecting earlier, and there are damn few investments that can guarantee a return like that — and I too found it surprisingly easy. Yes, you have to have your ducks in a row, but there aren't too many ducks to wrangle, and now I have those nice duck eggs arriving in my bank account every month. Cheers to the social safety net that we've all contributed to and DESERVE to benefit from when the time comes. Don't even get me started on the bulls*&t about it inevitably running out of money: all we'd need to do is increase the earning cap for deductions, which was set so far back in the past that it doesn't even . . . Okay, I'm shutting up now.