Against Conventional Wisdom

[Jolly]

Actually, I think it can work for the right person...

https://www.usatoday.com/story/money/personalfinance/retirement/2024/05/05/dave-ramseys-social-security-plan-is-risky-and-unrealistic-for-most-retirees/73496319007/

[Copper]

If you start collecting at 62 and invest all of it, you have to beat what the feds are giving as a return.

My recollection is that that is something higher than 8%.

If you can beat 8% for 8 years do it. And that is on the pre-tax amount, you'll need more to cover the tax.