Retiredmajor
Recycles dryer sheets
I've been using various SS Optimization tools and have decided that the strategy we will use for me and my wife is for her (lower lifetime earnings) to claim at age 62 and for me to claim at FRA (66 & 4 mos). The tools showed me that the highest lifetime income strategy is for her to claim at age 65 and for me to wait until age 70, but the difference over approx. 28 years (longevity estimate) is $48,000. Given the vagaries of time, health and Government idiocy, I can't see waiting that long.
Am I crazy?
Am I crazy?