Anyone use this program available from ESPlanner
? $40. A sample report is HERE
I opted to take benefits at 62, while my DW (59 and retired) awaits her benefits.
Do you think a program like this will help show me the best way to approach the decisions on her benefits and/or spousal benefits? Major questions are:
1. when should she take benefits?
2. what happens when I croak?
3. how do I maximize benefits while we both are kicking and, for her, when I exit the game.
I'm expecting to hear 'it depends', but if there's a checklist or program that would guide me, I'd appreciate hearing about it....