I'm taking mine as early as possible. I am so tired of commuting to a job I care nothing about. After losing one sibling and having another diagnosed with a serious illness I feel the pull of 'life is too short!' I have a decent 401K and a small pension - the old 3-legged stool approach. I know I'll receive smaller payments if I start drawing from any of these but I'm willing to live on less so I get to live a life I can actually enjoy.