Why This Matters
The claiming decision is a longevity bet you only place once.
Place It Deliberately
Break-even ages computed
Spousal/survivor interactions modeled
Work income interactions checked
Health and family longevity weighed
Bridge-from-savings option costed
Gotchas & Consequences
Claiming at 62 as default forfeits 76% more monthly at 70.
The lower earner’s claim shapes the survivor’s income forever.
LD-042Everyday ChecklistsPage 1 of 1