For example, if you are near retirement age and your own benefit is similar in size to your spousal benefit, you could take your spousal benefit at your full retirement age and delay your own benefit until age 70, Mr. Mahaney says.
WSJ: Family Value: Bolstering Your Social Security Benefits
If you can afford to delay taking your Social Security retirement benefit, do.
WSJ: Five Really Dumb Money Moves You've Got to Avoid
Delay saving these first six years and it will be difficult to fund the last 17 years of your retirement.
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It also allows you to delay taking Social Security benefits and to scale back, or even discontinue, contributions to your 401(k) retirement plan.
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