Retiring at 62 can mean earlier freedom, while waiting to 67 can provide more earning years and potentially larger Social Security benefits. Neither date is automatically better; the useful question is how each choice changes your own cash flow and risk.
Use one consistent set of assumptions for each scenario. That makes the difference easier to understand and gives you a clearer starting point for an important conversation.
Build a private plan, compare two dates side by side, and review the assumptions behind the result.