I’m glad you figured it out, but here’s my reasoning:

Let’s say one is not working at 67. They can collect $1,000 a month in SS now, or collect $1,250 a month if they wait until 70 (I’m just rough estimating for the sake of making an example). If they start now, they’ll collect $36,000 for those three years that they can save and/or pay expenses. If they wait until 70 to collect $1,250 a month, if my math is right, it will take 144 months for them to break even (collect the $36,000 of benefits they delayed). That’s 12 years. The 70 year old would have to wait until they’re 82 to break even. This is why I wouldn’t delay collecting if I was in the same position.

Are you still working? If not, I don’t know why you don’t start collecting your SS now. The higher benefit is an actuary adjustment. Chances are it won’t mean more money over the long term. If you don’t need the money now, put those three years of payments in a savings account. It can add up.