I’m not near retirement age yet (I like to tell myself, since I’m still in my 50s) but is the general wisdom that you should start taking Social Security at full retirement age (66 yrs 4 months) or postpone until 70?

I got my yearly social security statement and the difference in monthly benefits would be about 46% different!

I’m thinking that plodding on to 70  before taking social security makes more sense. Especially since my mortgages should be paid off by the time I’m 69.