I used the AARP calculator. No matter what you enter, they give the same answer: higher earner files and suspends at 66, lower earner collects whichever is higher at 66 (their own benefit or 50% of spouse's), higher earner collects at 70, everybody lives fo-evah <eye roll>.. It's like a broken record.I don't want to shell out massive amounts of savings until we're 66 and 70. More modest amounts, OK. Rebooting, yeah, maybe. One file this year one file next, I'd consider it.
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