"Mainly...(1) When to start collecting.But also...(2) Whether to reboot after a year, paying back the first year's benefit.And...(3) Whether to complexify things by one of us collecting immediately and the other delaying (I note that we are very close in age, 5 months apart, and that my benefit is 70% of his)."^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^DW and I are in the situation where she does not qualify forSS on her own. So the decision is when do we start receiving the SS under my work record. We have talked about it and planto try to wait until I'm 66 before starting. However, if wefind we need the funds we will start when I'm 62 or later.Right now we expect that my current work will stay alive foranother year - maybe two. There is a chance that it can stayafloat for 4 or 5 years.I think the issue is not really about optimizing - it is aboutliving. If you need the funds, you have to try to get what is available. What is needed becomes the question - and anindividual's circumstance defines that answer more than whatmight be more or less efficient.Howie52Not known for being a great help.
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