What also gets tricky is when one spouse dies. You lose one SS. If you have pensions are they set up to transfer to the surviving spouse? If not, you may all of a sudden have a huge income gap. You may want to carry life insurance on one or the other or both to cover that loss of income. or at least mitigate it. That's an extra expense but provides stability of income at the time of death of one spouse. Sometimes a pension can be adjusted to continue to pay to a spouse at the pensioners death but that reduces the pension paid. The reduction may not be worth it and instead it may be better to carry a life insurance policy and just let the pension lapse at death.
And through it all the only certainty is that things will change in directions you never anticipated.
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