Does This Sound Like A Good Plan?
My earnings are massively lower than my husband's; he would get the maximum SocSec retirement benefits, while my own would be about $500/month at full retirement age. I know that we should try to wait till he is age 70 before he claims his benefits. Also, I know that as long as we are married, I can't claim spousal benefits unless he is also claiming his benefits. I believe the file-and-suspend loophole is no longer allowed for this.