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. That's been my experience too. It's likely because the 8% increase you get overwhelms the analysis. I'd guess the fee site will tell you something similar, but will maybe pinpoint the time frame better. My feelings are similar to yours, not wanting to shell out savings. While the downloaded book leads to a similar conclusion as above, there is a chapter discussing not following it if you believe you can out preform the 8%, with funds you "save" by taking SS earlier. In my case, I want to leave an inheritance, so the best way to do so is to not use as much savings early. I also think by doing so, you'll have a cushion in case they make changes to SS that will affect current retirees collecting.
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