Just purchased the software and playing with the numbers. Quick question... I am 64 and 4 months. My husband will turn 66 in November. Since I only work a minimal amount at this time, it appears it might be more advantageous for me to file for social security now and my husband file a restricted application for spousal benefits. While retired, he does have a part-time job and is not ready to give that up yet. If he does file the restricted application... does he have to wait until age 70 in order to file for his full benefits .. or can he do it at any time.

Hi,

No. If your husband starts out drawing spousal benefits he'd be free to file for his own Social Security retirement benefits at any time.

Best, Jerry