Yup I think you are correct. ACA comes into play before 65 so there is that. It all depends on informed individuals and this thread is working on that.
And as you all well know, there is a limit on how much you can make and not be penalized up until your full retirement age and after that there is no limit.
It is a total personal decision for sure. Everybody is different. Invest that money or wait if you have a spouse that may get your survivor benefit. Thats my plan. My wife will be 62 in 2 years. We will draw off of hers then and wait for me so there is more for her if I die before her. Survivors...