[Dr. Sivana]

I plan to collect at 70. Not uust because both my parents are long lived and and still alive in late 80s and 90s, but because my wife is 14 years younger and will largely live off my ss.

[reed13k]

That’s my plan as well, though my wife is the same age as me she’s Japanese and her mom is already in her 80s...I’m not sure I’ll make it that long given my family’s history...but only the Good Lord knows for sure.

[stig]

I plan to collect at 70. Not uust because both my parents are long lived and and still alive in late 80s and 90s, but because my wife is 14 years younger and will largely live off my ss.

Same plan for me as well.

For those who are married and the high earner in the family with the expectation that your spouse will outlive you well beyond the break even point, you have no choice but to wait.

[PalominoGuy]

....Great plan since Spouses benefits are an IMPORTANT part of SS, and the higher your benefit, the higher hers will be when you are gone (unless she widely outearns you) so waiting can give you at least a 34% larger lifetime benefit and taking it at 62 can reduce the benefit FOR THE REST OF YOUR LIFE by over 33%. Worth thinking about and calculating (I advise and educate on how SocSec works)... ymmv

[AlaskaErik]

I plan to collect at 70. Not uust because both my parents are long lived and and still alive in late 80s and 90s, but because my wife is 14 years younger and will largely live off my ss.

Too many people are just focused on breakeven point. My wife and I both waited until we were 65 to start collecting because we know that one of us will most likely outlive the other and it's better to have a larger SS income when that happens. We certainly didn't need the money at age 62.

[brooklin]

My wife’s parents lived into their 90’s. She died at age 60.