When should I begin Social Security benefits?

If I defer taking Social Security benefits, each monthly check will be larger, but I'll get fewer of them before I die. Here's a government web site that says for me delaying a year results in a 6.5% increase. Since you are not the same age as I am, you better go to that link and get your own percentage.

Getting 100% for N years or 106.5% for (N-1) years, if they are equal, what is N?
106.5 (N-1) = 100 N
N = 106.5/(106.5-100) = 16 years

Here is another government calculator. The result for me is

begin 1/2007  get 124.38%  = this
begin 1/2008  get 130.88%  = next
	For crossover N years solve:   next * (N-1)  =  this * N
	N = next/(next-this) = 20 years.

Oh well, 16 or 20 years, close enough for government work. Anyway, I don't expect to live that long.

This calculation totally ignores the time value of money which a decade from now is a very significant adjustment.

This calculation ignores changes in income tax bracket. I don't think that will amount to much.

If keep working after retirement I might lose benefits or be taxed on the benefits. I'm not going to try to figure this out.