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Ask Rusty – Younger Wife is the Higher Earner

November 2, 2020 | Presenting: Russell Gloor - AMAC Foundation Social Security Advisor

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.”

This recording presents the viewpoints of the AMAC Foundation’s Social Security Advisory Staff, trained and accredited under the National Social Security Advisors program of the National Social Security Association, LLC (NSSA). NSSA and the AMAC Foundation are not affiliated with or endorsed by the United States Government, the Social Security Administration, or any other state government. To request additional information, contact our Advisory Staff at 888-750-2622, or email us at [email protected].