I'm 42 and I have been married for 23 years. I only have about 30 credits for SS. I was feeling pressured to finish earning my 40 credits. But after reading some of your articles I'm not sure. I wanted to know would it be best for me to finish earning my credits, only making $10 a hour. Or would it not benefit me. My husband is a engineer so he makes a good living. So i don't need to work but I will if it will help us long term.
Thanks,
Shannon

Hi Shannon,

The answer to your question depends on factors such as whether or not your husband is older than you, and when he plans to retire, as well as future events that can't be predicted. So, I can't really give you a meaningful answer.

The maximization software available on this website allows you to enter projected earnings, and permits you to run various what-if scenarios. You may want to use it to explore your options.

Best, Jerry