My husband gets Social Security but I don't qualify for much, and we can't figure out the best strategy for when he should claim his benefits to maximize what we'll have together over time. All the online calculators assume we know how long we'll live and what our expenses will be, but we're just guessing about everything.
More people experience this than they realize.
Optimizing for an uncertain future requires making irreversible decisions based on unknowable information about health, longevity, and needs.
“Where Are You with Money in retirement — making it last?”
If this sounds familiar, the Library can help you find the bigger picture.