After explaining the situation to ChatGPT and providing the example it reached the same conclusion of a reduction in whatever percentage reduction you had by taking it at 62. I went a step further and ask about your survivor benefits if your Wife precedes you. Your survivor benefits will also be reduced by the same percentage. AI is not infallible but it’s something else to consider.
My three favorite things are the Oxford comma, irony and missed opportunities
The problem with humanity is: we have paleolithic emotions; medieval institutions; and God-like technology. Edward O. Wilson