I think if you factor in your wife's return, and assuming she does not have enough quatrers to meet the SSA requriements, it is better to wait until 65 to start. At least the numbers crossed at 78 (my age), so from That age on, as long as either of us is alive we are ahead. Neither my wife or I expect to die before 90. I may be slowed up by then but do not plan on dying. We are both in much better health than our parents at our ages and expect to live into our 90's. I'm curious how you arrived at your life expectancy?Jim
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