I have. It kinda is the way it works when you read the fine print. She'll have to apply for it, but she will qualify for up to 50% of my SS in addition to what she's receiving. However, the total of the 2 cannot exceed my SS.
All depends on your circumstances. Ordinarily, I would have started it at 62, but because my wife stayed home with the kids during their formative years, she won't draw as much as I do. So I'm holding off until my FRA (66+8mo). Because she'll probably outlive me, she'll qualify for 50% of my...
Roth or traditional IRA have no bearing on how they perform. An IRA (traditional or Roth), is simply the folder that your investments are put into. You can bundle any number of different types of investments into either IRA.
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