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(1) When to start collecting.

But also...
(2) Whether to reboot after a year, paying back the first year's benefit.

(3) Whether to complexify things by one of us collecting immediately and the other delaying (I note that we are very close in age, 5 months apart, and that my benefit is 70% of his)."


DW and I are in the situation where she does not qualify for
SS on her own. So the decision is when do we start receiving
the SS under my work record. We have talked about it and plan
to try to wait until I'm 66 before starting. However, if we
find we need the funds we will start when I'm 62 or later.
Right now we expect that my current work will stay alive for
another year - maybe two. There is a chance that it can stay
afloat for 4 or 5 years.
I think the issue is not really about optimizing - it is about
living. If you need the funds, you have to try to get what is
available. What is needed becomes the question - and an
individual's circumstance defines that answer more than what
might be more or less efficient.

Not known for being a great help.
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