Dear Rusty: My wife turns 65 in November of 2023. She was born on 11/21/1958. I am a year younger with an 8/1/1959 birthdate. I know my wife is not at full retirement age, but the difference in her SS payment is not much and collecting 3 years of the lower amount far exceeds her waiting until age 68. My question is: because half of my SS is more than her SS, if she retires this year, will she s...