Start with the household, not one benefit
For couples, each claiming decision can affect current income and the income available to a surviving spouse. Review both records together instead of choosing each filing age in isolation.
Compare cash flow and longevity
Claiming sooner may support near term spending, while delaying may increase future monthly income. The useful comparison includes other savings, work income, health, longevity expectations, and how much guaranteed income the household wants later.
Connect the decision to withdrawals
A later claim can require more portfolio withdrawals in the meantime. Model the full sequence, including taxes and market risk, rather than judging Social Security only by a single break even age.