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I think you made a lot more than 1% when you consider particularly the value of disability insurance in your 50s/60s and the value of 50% spousal support even if they never contributed a penny to the SS fund.

My wife's return is less than 0% - At age 66, she will have worked for 48 years for a $200 per month ss benefit - Her benefit will be $1400 per month or $1200 if she takes 50% of my benefit -

at age 66, she plans to take the 50% (based on 50% of my benefit) and start collecting on her benefit at age 70 = $1900 per month.
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