The point is, while it's smart to have a plan, it's also important to acknowledge that nobody can predict the future. There are perfectly valid reasons to start Social Security at age 62, at full retirement age, at age 70, and at any ages in between those. And there's no way to know which of those reasons will apply to me in a couple of decades.

The apparent fact that the new Social Security commissioner, up until recently, had no idea what his job entailed does not inspire confidence.