Wrongo, once a planner has all your facts, this turns into a math problem. I never saw a math problem that did not have a correct and several wrong answers. Once you know all the numbers and facts YOU must decide what level of risk you are willing to...

Most planners say to wait to max soc  sec.  They ignore two big items. 1. If we use current savings, 401 k, IRA/s they can get down to zero and then if my wife dies before 66 or 70, we have used up considerable savings and she or me will never collec...