Great book and software!
Karen (Spouse) will be 63 in July, 2016. I will be 66 in Oct. 2018..
I have no plans to file for benefits until FRA or later.
Karen's income is < $5000 annually.
If Karen files starting at 63, her benefit is $868 (70% of $1241)
When she is 66 (July 2019), her spousal benefit will be $1330 (50% of David's $2659).
Karen is pressuring me to file for her own benefits now. Any disadvantages for Karen applying for her own benefits now, then apply for spousal based on my SS when Karen is 66 (July 2019)?

Dave,
If Karen files for her retirement benefit in Jul 2016 at age 63 it will be 75%, not 70%, of her full retirement age (FRA) benefit. If you're definitely going to file for your retirement benefit at your FRA, then this is not a bad strategy. However, it may be better for you to delay your retirement benefit past you FRA. Our software, MaximizeMySocialSecurity, will determine the filing strategy that maximizes your lifetime Social Security benefits.
Best,
Mike