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Subject:  Re: Bernstein's 16pp Guide for Millennials Date:  9/25/2021  2:05 PM
Author:  YewGuise Number:  104371 of 105953

...lower-earning spouse to take Social Security at 62 and the higher-earning spouse to wait until 70...

Step 2 is then for the lower-earning spouse to suspend own benefits, and switch to receiving 1/2 of spouse's when spouse starts collecting.
This is called "file and suspend," and the rules did change. You can now collect either on your own earnings record, or your spouse's, but not one then the other.
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