Midpack
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
I've been playing with https://opensocialsecurity.com and noticed it's pretty hard to get it to recommend we both wait until 70 to claim social security. When I choose their highest longevity set case (non smoker super preferred) it recommends I claim at 70 and DW claim much sooner at 66y 11m. Digging deeper, non smoker super preferred is based on me living to 87.5 and DW to 90. No matter how much I manually extend DW's longevity, it never recommends she wait to claim at 70. And if I manually extend my longevity, I have to live to 98 for her to claim at 70. Turns out if we both live to 90 or more, then it recommends we both claim at 70. There's a good chance we'll both live past 90 if our parents are any indication. I was just surprised how long you have to live to to make both claiming at 70 the financially preferred option...maybe I'm the last one to figure it out.
My PIA is about 160% of DW's, and I am about 2 years older than her. I am already 69, but it would be rude to disclose DW's age.
My PIA is about 160% of DW's, and I am about 2 years older than her. I am already 69, but it would be rude to disclose DW's age.