Using those numbers Chamacat, i get it would take you 12.2 years to break even.
(Your 62 to 66.4 numbers)

If you start taking SS before your full retirement age (probably 66 in this guys case), there are deductions in what you get if you are still working. Not sure of the details but your SS check is reduced.

If you wait til full retirement age, you can earn as much as you want and still get your full benefit. That is why I waited.

Don't think thats correct LAW, as I know people who have done just that and are getting different amount checks, it's based on your income in those quarters.

You only need 35 quarters to qualify, your income is based on the highest of those 35, whether or not you worked 40 35 or 125, but most work longer than that before getting their first SS deposit, your income from SS still continues to change as you continue to work, provided that those years change any prior years that are lower, if not then its a sixer and usually will stay the same except for government mandated cost of living raise's.

According to this SS booklet I have here, and the Medicare brother it shares, LOL

Yep..I been looking around likes been suggested. I see where some states are better places to be in for state taxes on social security benefits. The question I'm going to throw out there is there federal income tax withheld no matter what state one lives in? I don't see any schedule for that.

Yep.So does the federal government from the Social Security Administration. Send out a 1099 form? or something close to it?

Anybody get more then $1,060 a month at 62?

Yep..Based on what most are saying about break even working the math backwards I'd say people are starting out at 62 around $1950-$2200

I retired at 55 with a good pension and took SS at 62. Both together are what I was making while I was working. I’m allowed to make 17300 per year until 66 then unlimited. I have not used any 401k and don’t have to till 70 1/2.
I think retiring is upto the individual, go when you want to. Life ain’t all about the money.

I turn 66 August 1 and will draw then, if I can get their darn website to work. I waited cause I expect to live long enough to make up the difference between drawing at 62 and 66. My father and mother are both still alive (he is 89, she 85) and all their siblings are still alive (all are in their 90's. My 2 grandmothers lived to mid-90's, Grandfather Ralph Space died at 84, my mothers father died at 70 but he was a welder who welded inside depth charges in WWII and it destroyed his lungs. I lead a somewhat clean life, never smoked, very little alcohol,ALWAYS make sure the husband is home if I get called to do ADC work at a house (especially a bat in the house in the middle of the night), and NEVER walk on ice unless I know for a fact that the water underneath is less than 2 feet deep with a gravel bottom.
Most importantly I married a city girl. What does marrying a city girl have to do with long life you ask? I have gotten a good nights sleep for 41 years knowing that a stray click heard during the night is not the sound of a safety clicking off, or a hammer being drawn back and a cylinder rotating forward. Country girls know how to shoot, city girls do not and I sure am not going to show her how!