Our great sponsors
-
SurveyJS
Open-Source JSON Form Builder to Create Dynamic Forms Right in Your App. With SurveyJS form UI libraries, you can build and style forms in a fully-integrated drag & drop form builder, render them in your JS app, and store form submission data in any backend, inc. PHP, ASP.NET Core, and Node.js.
i recommend playing around with https://ssa.tools/ where it has a good explanation and charts
It is worth playing with this if you have not: https://opensocialsecurity.com/ . It does a good job figuring out the optional approach. If the second earner is much lower than the primary, at least in my case it is advantageous to take the lower earner early as they can qualify for an additional percentage of the higher earner's payout on top (without taking from the higher earner).