Source: Get personalized help to max out Social Security. Social Security Solutions’ optimization plan calls for my wife to file for her own benefits at age 67 but immediately suspend her payments — a perfectly legal strategy known as a file-and-suspend. We start getting some Social Security benefits immediately when I apply (at age 66) to receive a spousal benefit based on her earnings record, half of what she could receive. At age 70, my wife starts her own benefits; a year later, I switch to my own benefit when I turn 70. Both of our benefits are now at the … Continue reading Gaming The System……