70歲與62歲的拿的比例，應該是1.24/0.7= 1.77, 你的比例怎麽是1.94?

https://www.ssa.gov/oact/quickcalc/early_late.html

https://www.schwab.com/learn/story/guide-on-taking-social-security

Effect of taking retirement benefits early (DOB: January 2, 1960)