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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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