I retired when my husband did but I started getting my S S at 62 because the difference in waiting until i am 65 didn't make that much difference.I was a stay at home mom most of my life. I do know that they take the total of the last 6 or 7 years pay and use that as your base for your income when you retire. My husband worked a lot those last years to get what he has coming. It made a big difference. God Bless and good luck in your choice.Enjoy your grand child.