Hi Bob,
It sounds like you have really thought this through, and your choice sounds very reasonable!
“What’s the best age to start receiving retirement benefits?” The answer is that there’s not a single “best age” for
everyone and, ultimately, it’s your choice. The most
important thing is to make an informed decision. Base
your decision about when to apply for benefits on
your individual and family circumstances.
Here are some additional thoughts and resources.
How to make the decision when to apply to claim Social Security Benefits: https://www.ssa.gov/pubs/EN-05-10147.pdf
If one spouse passes away, the other spouse may receive a greater benefit using the Spousal Benefit. SSA Spousal Benefit source: https://www.ssa.gov/OACT/quickcalc/spouse.html
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