I did the math(as best I could anyway) and found that no matter how long I lived I would never live long enough to re-coop the money lost on not filing sooner instead of later. So I filed as soon a I was eligible.I totally agree with collecting you SS check as soon as you can. I have known 2 people that have decided to wait those extra years to get "more money".
It didn't work out.
Person #1 - died before she collected a penny.
Person #2 - died shortly after she started collecting, making her total collected amount far less than if she had opted to start collecting the smaller check years before. Technically, she lost thousands instead of gaining thousands.
Of course, none of this matters since they are dead, but it does matter when a person is thinking of collecting now or later just because in theory you get more money. That theory may not pan out to be reality.