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You Have Two Social Security Checks. Only One Should Wait Until 70
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"Wait until 70 to claim Social Security" is the most repeated retirement advice on the internet. For a married woman who is the higher earner, it's only half right. It's right for one check in your household, wrong for the other, and it says nothing about the check one of you will eventually live on alone.
In this episode, I walk through what I call the survivor lock-in. A married household gets two Social Security checks until the first death, and then it gets one, the larger of the two. That changes how each spouse should think about claiming.
In this episode:
Why the…
The skinny
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