Post #477 by sykesix on the Retirement Investing board

Personal Finance Topics / Retirement Investing

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I read a few article several years ago which discussed a sort of split strategy. It only applied to married couples. The lower-earner should take benefits at 62, increasing money available to do stuff (like travel) without rocketing up (usually) into a higher tax bracket. It also buffers against market fluctuations if you're living off of your investments. Then the higher earner would take them at 70. When one spouse expires, the surviving spouse can opt to retain the higher benefit payout of the two.

Seemed like a reasonable, conservative strategy to us. 1poorlady is planning on doing it in a few years.

That's what we intend to do. Article on this topic from Kitces.

https://www.kitces.com/blog/why-it-rarely-pays-for...

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