Stitch, you and your dh should make an appointment at the local Social Security office and get the facts. You often end up with more money if you retire earlier. Both my dh and I ended up starting SS earlier than we had planned once we saw how it worked out. In general, it takes about 10 years to break even on a one-year delay in retirement. Also, we did not realize that dh could take full SS without any penalty even though he is still working full-time; this was because he had reached full retirement age.
It really helps to go to a SS office and sit down with an expert who will explain exactly what the differences are between retiring now and waiting a year, two years, three years, etc. It was a real eye-opener for us!