Just an FYI...TFT seems to be geezer driven so this might be of interest.
My better angel and I found a weird loophole not many people knew\know about.
I looked at it, then looked at it again, thinking “Are we (The U.S.A.) nutz ?” (Thank Pres. Clinton)
We are both the same age and we were right around full retirement.
I filed for FRA(Full Retirement Age) benefits @ 66.
My wife could file a “restricted application” for a spouse benefit under my SS for half of my benefits.
Her own benefit accrued @ 8% a year after FRA - 66
She turned 70 and took her own benefit. (There is no additional benefit after 70)
America - what a country.
The Feds just closed that loophole but grandfathered in anybody born before January 2, 1954. (Which makes you 66 - FRA - this year).
Note - I believe (and check it out before doing) only one spouse has to be 66. The one claiming the spouse benefit can be as young as 62.
Decent article here. https://www.kiplinger.com/article/retirement/T051-C000-S004-restricted-application-social-security-strategy-is.html
Darn—I was born 18 days after the cutoff.
I was semi-retired at 52, having only to work part-time.
I fully retired at 62.