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I can in theory get social security based on my deceased ex-wife's record.

Would you be better off waiting and getting SS based on your own earnings? There was a time you could do both, at least with living spouses. But the "file and suspend" loophole has closed (I am unfortunately just a tad too young to be grandfathered in), because the concept is that for SS you should collect either on your spouse's record or your own, but not both. Not sure what the story is with exes, or deceased exes, just a heads-up to double-check before you pull the trigger.

You don't have to keep working to use your own record. DH & I are both retired, and living off other income while we wait several years to collect SS. Actuarially it's the same whether you collect sooner (lower monthly payout for more months) or later (higher monthly payout for fewer months), but we personally are gambling we'll be alive and healthy longer than average, in which case delaying collecting SS will be be to our advantage. YMMV.
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