<prompt> Human: My aunt just turned 66. She works full-time as a hospice nurse and will continue to do so until she cant. Her health is good and my guess is that, if she is able to, she will continue to work well into her 70s.She has a couple of real estate assets that, combined, she has several hundred thousand of equity in. She only has about 30k in her 401k. Discussion on when she should start taking SS would be appreciated. A financial planner has suggested she start drawing now and invest the money in mutual funds, but as she makes good money - 90k per year I think the extra income tax may outweigh any advantage of controlling the SS money and investing it. Thanks!  <response>: Based on what you wrote, IMO she should wait until shes 70 to max out the benefits. 