Calculating Spousal Social Security benefits

[question everything]

5. Same here. Actually, we went when I reached my retirement age

Got a letter so decided to just visit the office. Wanted to compare spousal benefits with direct ones.

On the way there I read the letter again and it said to either apply online or.. make an appointment. oops

We were lucky. Met with an excellent agent who spent an hour with us, doing spreadsheets calculations. I don’t think we would be able to do it now.

A year later we told a family member to do the same - spreadsheet to figure out whether waiting to 70 would make much sense. It did not. Good move as they decided, a year or two later to leave the job and start collecting benefits.