So a lot of this is math – and I wasn’t sure what more info I could get beyond that – but I was surprisingly wrong. It was a serious case of “you don’t know what you don’t know”.

Besides the math being MUCH less straightforward than I thought (especially when one adds in the spouse’s numbers), there was a LOT of additional information I got from Kevin that strongly impacted this very difficult decision (of whether to SS payments early or not). Highly recommend spending the very reasonable fee, and the generous amount of time Kevin gives, to learn more about this important topic.

Dave B.