I have read your very informative book but still have one question. I am turning 66, was married less than 10 years, and have no dependents. I have the resources to delay taking my SS benefits until I turn age 70. Is there any financial or other advantage to doing that over filing and suspending at age 66? Conversely, is there an advantage or benefit conferred by filing and suspending at age 66 over filing at age 70? I understand about the effect on Medicare payments.