As I was looking at SS options, there was an option that did not make sense. ( Feds since closed this option but grandfathered in those already on it and if you were born before 1954)
My first response was: Are we nuts ?
My second response was: Do I qualify ?
It’s called a “restricted”.
Read about it here. https://www.thebalance.com/social-security-rules-for-restricted-applications-2388915
My wife an I were born before 1954.
We are both about the same age.
She wanted to continue to work. I didn’t.
She robbed the cradle as she is a couple of months older than me.
I had her hold off filing until I filed.
I filed for full retirement benefits.
She filed a restricted application and got half of my monthly benefit.
Her own SS benefit is growing at approx. 8% a year.
When she turns 70.5 she needs to make a decision on how to file on her own benefit.
Until then, she will have banked approx 50k.
If any of all you all qualify, might be worth it to look into this.
It works best if you are close in age and both are at full retirement age.
This is NOT file and suspend. ( That has different rules )
This is a “Restricted” application.
Good luck...
that should be...when she turns 70 ( not 70.5)
Since I was born in ‘55 and my wife is 7 years younger, it doesn’t apply to us....................