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<< Which means ultimately, the ideal strategy for most couples is for the higher-earning spouse to delay as long as possible (which benefits them as long as either remain alive) but to start the lower-earning spouse’s benefits as early as possible, as delaying both is only beneficial in the less likely scenario that both of them remain alive into their 90s and beyond! >>
Kitces is missing the fact that if you have more money coming in at age 90, you can spend more today because of the smaller portfolio withdrawals in the future.
Life expectancy for the wealthiest 10% of the population continues to improve.
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