I took my social security at 62. I am now 66. I am reading your book. I have been told by 3 people at social security I cannot suspend my social security payment because I took it at 62. My wife is 63 and has not filed for anything yet. If she does not claim her benefit we have to take the money from our retirement IRA where we lose the investment and have to pay taxes. Is there anything I can do to improve my benefits? Should my wife take her benefits?