roemeria: OR, we could delay SS a few months till DH reaches 64 & I reach 63 1/2, providing about another hundred bucks/month by my calcs, but requiring us to fund almost all income needs out of savings for the first few months of 2013.

Why not let one of you start early and the other late? Preferably the one with the higher income ans shorter life expectancy start late. This way, the surving spouse can still collect the other's SS when he (or she) croaks. I started mine later and I have more income, so the Countess will take hers at 62, in the expectation that she will outlive me and get my higher rate when I kick the bucket.

Count Upp