Your thoughts on taking SS at full retirement age (not 70) as opposed to reducing a personal portfolio. My husband and my SS are fairly equal, he has a pension with survivor rights. It doesn’t make sense to me to wait on SS until age 70 for him as we draw against a joint asset, not to pay basic expenses but to enjoy our “go-go” years while we are both healthy and active. If he dies first, I would take my own SS at full retirement age and lose his income but our joint asset would be intact and vice-versa for him. Seems better to take the SS since that income goes away upon the death of either one of us and leaves more funds in our retirement portfolio for the surviving spouse in later years. I haven’t heard this senerio on any of your WGN conversations and would appreciate your input on this. Thank you.