Mistake No.11: You wait until 70 to collect your spousal benefit
When it comes to Social Security, the spousal benefit you could collect is not the same as yours. So, these Social Security benefits don’t include delayed retirement credits. There’s no point to delay it past your full retirement age unless you’re the primary beneficiary.
The Social Security benefits you’ll receive as a spouse won’t include delayed retirement credits, so there is no point to delay collecting Social Security past the full retirement age. By waiting such a long time, you’ll only miss out on years you could have been collecting. If you’re going to collect spousal benefits, make sure you retire at your full retirement age to get the maximum benefits.