It seems to me that if I'm paying current expenses from my "stake", that I'll need to make up the $$ I don't draw from SocSec. So in your example, defering 1 year would not result in a 0 in the NPV calc, but rather, in a negative $18,000. This, in effect, looks at SocSec in the context of my entire stake, rather than in isolation. I think that this approach would change the outcome. What say you??
It seems to me that if I'm paying current expenses from my "stake", that I'll need to make up the $$ I don't draw from SocSec. So in your example, defering 1 year would not result in a 0 in the NPV calc, but rather, in a negative $18,000. This, in effect, looks at SocSec in the context of my entire stake, rather than in isolation. I think that this approach would change the outcome. What say you??