When do you, guys and gals in the range to be thinking about it, plan on taking Social Security? After analyzing payouts at 62 versus 65 or 70, I've decided that 62 is the way to go. Fortunately I was able to retire at 60. It I was not set to retire, I most likely would have worked to 65 before taking it. 70'was never under consideration although I acknowledge that some citizens have no choice, but to work till 70.