Upgrade: My wife is 61 and earns ,000; I’m 65 and earn 0,000 — should she take Social Security next year?

Upgrade: My wife is 61 and earns $50,000; I’m 65 and earn $400,000 — should she take Social Security next year?

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Hi Catey,
I’m 65 and my wife is 61. I’m working and plan to retire at 71. My question is should my wife take her Social Security benefits next year and then get 50% of mine added to hers when I retire? Or wait? She makes about $50,000 and I make 8x that amount. Thanks.
Sincerely, Richard
Hi Richard,
As with many Social Security questions I get, experts say the answer is likely this: wait.
But…

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