US is a bit more complex than just a 25% reduction for early retirement
For one thing,
Early or Late Retirement (ssa.gov)
"A worker can choose to retire as early as age 62, but doing so may result in a reduction of as much as 30 percent..
In the case of early retirement, a benefit is reduced 5/9 of one percent for each month before normal retirement age, up to 36 months. If the number of months exceeds 36, then the benefit is further reduced 5/12 of one percent per month."
For another,
What Social Security Could Look Like in 2035 (yahoo.com)
"If you plan to rely on the program in 2035, keep in mind there's a chance you could receive less in Social Security benefits than you might have expected. If no changes are made to deal with the trust fund shortfall, benefits will have to be reduced by 24.9%, according to the 2022 annual report from the board of trustees."
So if the avg benefit now is $1,782/month. minus up to 30% for drawing early = $1,247 minus another future cut in year 2035 = $936.80, and that after 12 years of inflation of which social security will only partly keep up with.
Burdening that further is the loss of Medicare you might be eligible for (depending on work history) benefits of which do not transfer overseas. The best bet then might be paying into Medicare instead of private insurance & living in Mexico, not Thailand, to benefit from reduced cost of living while remaining accessible to American healthcare, or simply moving to, yikes, Mississippi. Never been but gonna guess not a lot of Thai food there.