I’ve seen examples of how to maximize Social Security, but I’ve never seen an analysis for our situation. I’m 61 and my wife is 57, but she has been the primary breadwinner, while I just barely made eligibility. Our plan is for me to start at age 62 ($500 a month) and then switch to my spousal benefit at age 74 when she starts her benefits at age 70 (her benefits should be $2,500 a month). Are we missing anything? We are both in good health with an average life expectancy but there is a very good chance my wife will exceed the “average.”

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