If you and your spouse are approaching retirement, there is a good chance you are thinking about Social Security as two separate decisions. Most couples do. But that approach can quietly cost the surviving spouse for years, and most people never realize it until it is too late to fix. In this episode, Jaime Cowper covers the survivor benefit and why it should be the centerpiece of any couple's Social Security strategy. She walks through a real client example where one spouse nearly filed too early, explains why retirement and Social Security are not the same decision, and shares a simple framework for thinking about when each spouse should consider filing. If you are a couple trying to figure out Social Security timing, this episode was made for you.