[tx_eggman]

my stay at home wife started hers now (hers is much lower than mine)

I assume, since she didn't work, that her benefit is 50% of what yours will be at full retirement ... minus the ding for starting early.

[robroys woman]

I assume, since she didn’t work, that her benefit is 50% of what yours will be at full retirement ... minus the ding for starting early.

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even less. Mine is almost the maximum.