All situations vary but as a general rule, I recommend couples, especially where the ages and the income of the spouses vary, wait as long as possible to take their SS benefits.

There are some tricks like "file and suspend" that can earn you an extra $200,000 in lifetime income (again for coupels) from SS so it pays to do your homework and evaluate your options. Unless you think you will make 8% per year consistently from your retirement investments, you might be better off spending them down and postponing SS.