[bbbentley]

Difficult answers. While I am the part of the boomer generation, 56, I am not the age group "riding the wave". More like the group sucked up in the under toe. I think this depends if you really enjoy your work, like Lynn. I have known so many guys who retire and die shortly after. That was their life (working) , and it was what gave them a reason to live. While others can't wait to retire to pursue other interests. So, I feel it is a personality thing that decides which strategy plan of S.S. Then, there is health to consider.
I am in the camp that you better get it while you can and as soon as you can. Life is a very uncertain and a precarious feat. Enjoy it while you can and do not look back with regret.