Waiting is a losing proposition for most people but many never bother to do as you did and do the math.
Yep, but you also have to factor in upcoming economic factors too. I went through a real complicated set up spreadsheet, with what I thought would be the trend on interest rates, rate of return of equities invested from Year 1, Year 2, Year 3, etc. , Tax implcations of incremental increase income, and lastly evaulate core investments on ROE basis. Last look... optimum for me was age 68.33. Of course my parameters probably need to updated to reflect a Biden induced inflationary risk.