Since this thread was started, I've done more research and I've changed our plan. My husband, who is 6 years older than me, and the higher earner, will start withdrawing at age 70. His benefit at that age will be $2850. Assuming he lives longer than me, I would be eligible for the higher benefit at his death. At age 66 1/2, my benefit would be 1719 and at age 70, $2386.
I'm totally lost when I should file and if I should file on my own or his SS. At age 66, his SS would be $2100. I did post on the bogle board. One person tried to walk me through it step by step, but I ended up confused and totally lost in the process.
I'm not sure when I'll retire. Certainly not early. I'm thinking between 62-64. I'll be 59 when my husband retires and that would gives us a few more years before withdrawals would be necessary. I'm looking at 1m net when he retires and 1.25m liquid when I retire. Part of that will depend on when we sell our home. We're going through things now, doing minor repairs, and will put it on the market in Jan.
I'm thinking my husband will choose to work PT if that's his personal spending money for vacations and whatnot.
For those who aren't mathematically challenged, which is the best way for me to go with getting my SS?