I heard you on a radio program. I wish I heard you before filing :) I am 66 and my wife is 55. I have been collecting SS since reaching 64. So my question is is there any benefit to your software after I have been collecting already?
Potentially, yes. For example, you may want to consider suspending your benefits so that you could grow your monthly benefit rate by 8% per year until age 70. That would not only provide you with a higher monthly benefit rate for life, it could also potentially provide your wife with a higher widow's rate for life should you die before her. Our software can do all of the math necessary for you to compare all of your various options so that you can choose the best possible strategy for you and your wife going forward.