Help Me Retire: Will my wife’s school pension and my military retirement pay reduce our Social Security? We’ll start collecting at 70.

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My wife and I are getting ready to retire. My wife is 69, and I am 67. We have not collected any money from Social Security — we are both waiting until we reach the 70-year mark and we are still working full time. But have some questions: Do we have to register with Social Security at the age of 65? My wife works for the school district,…

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