Most people don't realize (or do, but don't plan for it) that, as a couple, there is lost income from Social Security automatically built in. I discussed example in a post titled "Social Security and Survivor Considerations." ( http://blog.betterfinancialeducation.com/sustainable-retirement/social-security-and-survivor-considerations/ ) The post discussing this will post 14 Sep 16 http://wp.me/p2Oizj-GC