My husband is 59 and will work until 65. I am 63, no longer working and eligible for reduced benefits. His benefits if he waits until age 70 will be approximately $3,800 per month-my reduced benefits are now approximately $760; at age 70- $1,200. Does it make more sense for me to take my reduced benefits now and change over to take spousal benefit when he reaches 70? My husband believes we're just throwing money away by not having me take my reduced benefits right now. Do you believe that is the case? Thank you!