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West Central Ohio | John covered it well. A few additional thoughts.
For me, my wifes SS benefit is very small. So even though I may not live long (heart stuff) by waiting until I am 70 to start SS I can maximize her survivor benefit which may be significant if she lives until an old age (which runs in her family).
There are numerous SS calculators on the internet, I found this one to be easy to use and understand.
https://opensocialsecurity.com/
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Social Security
