Sunset
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The SS discussion is an interesting one and one that seems to be debated all the time. I look at it this way. I could get by without SS, but having it would make life quite easy. So taking it at 62 would improve my quality of life in the early stages of retirement. I would rather have that income in the earlier days than to have more when I am older and less able to enjoy it. I don't see any financial issues with my wife if I were to pass early. Realistically, life would likely become less expensive without me around .....
Does your wife qualify for SS on her own work record ?
If you take SS at 62, it means she will get a lower Survivor pension when you are dead. Remember at that point she will get just 1 SS pension, not what the two of you collect while living.
Please explain how her life would be less expensive when you are dead ? , certainly the property tax will remain the same, Income tax rates will double due to cut in the brackets, Dating will cost her $$. Food cost will drop by 1/3, as it's not a 50% drop since buying for 1 is more expensive than for 2.
Delaying SS is the best inflation indexed annuity around, so maybe think more on it.