I am 64 (DOB 8/20/53) and my wife is 60 (DOB 1/4/57). When my wife turns 63 (1/4/2020), I will be 66 and 4 months old. If she files for her Social Security benefit then, can I apply for spousal benefits and let my benefit grow until 8/2023 when I turn 70?
I have used several online tools including Maxifi and other than waiting until my wife and I turn 70 (which we cannot afford to do), this seems to be the best case scenario but I am unsure if it is still allowed after the Budget Act of 2015.
Thanks for your help,