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By waiting until 70 you max out your insurance.

May be true for a single person, but I believe marriage will change the equation.

I haven't run the numbers, but for a couple of approximately the same ages, I've read that the typical optimal strategy is for the lower-earning spouse to take Social Security at 62 and the higher-earning spouse to wait until 70. This assumes they don't change the rules again. I'll run the numbers in a couple years when I'm approaching age 62.
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