gllama You could be collecting until 70 while still working , and banking 100% of those checks, in some type of savings acc't. If you do not do that, and suddenly pass away at age 70, your spouse is going to be hurting a lot worse.
ex. 1800/mo. x 12 = 21K+(minus some taxes you'll pay due to other income addition) & (let's say you are now 66).
4 years x 21K+=84K+!!
She will never live long enough to make up that much, no matter what your benefit will be at age 70.
I say this not knowing how much, if any, you will lose off full pay with wages you now make. If you are at the age/over the age of retirement, you will lose nothing. You'll lose 1 for 2 (over 21K) if under the age of full pay.
Really should rethink it, maybe.(??)š¤ $84,000+ (actual over $86K!!)