Many people choose not to create a will or simply neglect to draft one with the belief that their spouse will inherit all or most of their assets when they pass away.

FORBES: 6) You may not inherit each other��s assets.

If you take the benefit at age 66, you can reinvest those funds and add a beneficiary so when you pass away they go to a loved one instead of to no one.

FORBES: Retirement Rules You Can Break Without Sabotaging Your Retirement