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"So if you are waiting until 70 for social security, what happens when you have to take RMDs and then when one of you becomes single ? "

RMDs are for individual accounts. Can't have joint IRAs.

Depends how one becomes 'single'.

Divorce - finances governed by divorce degree for assets outside SS. SS is per individual. But if one worked, one didn't, might be compensated in divorce degree with other assets or payments. Even if spouse worked, or had lower paying job, can file on spouse's earnings record.

Death - one party may 'inherit' the IRA - but have to spend it down per the IRS table quickly - or may go to other heirs. per the will and what is on file for the IRA beneficiaries.

Death - one party may wind up with 'joint' assets like stock/bonds per the will......or not.

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