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Rgoldpet asks:

<<So do you think that this combination could justify her waiting to 65?>>

It wouldn't be to me because when it comes to SS I believe "a bird in the hand..." If I could predict the life expectancy with total accuracy of me and my spouse, then perhaps I wouldn't be so cavalier. Sadly, I cannot, so I would choose to have my spouse take it knowing if I predecease her, then she will step up to my payment slightly reduced due to her early retirment.

But I'm not you, and that's really got to be your decision and choice based on the numbers you run for yourself. I discussed the issue in four columns you can find at:

They may help as you decide for yourself.

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