Upgrade: My wife is 61 and earns $50,000; I’m 65 and earn $400,000 — 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?

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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