[Half Fast Rusty]

I met an 82 year old lady at Thanksgiving traveling with her mother. She was doing fine and had no plans to stop.

As for my two cents regarding the SS thing. In 2/3s of couples at least one will reach age 90. If your significant other is taking advantage of the spousal payments, then some may want to wait longer than age 62 or even their regular retirement age (mine is 66). When the first of the couple passes, the survivor will receive the higher of the two SS payments. If one is on a spousal, then there will be a 1/3 reduction in income. If you have longevity in your family, you are reasonably healthy and you don't absolutely need the money, wait as long as you can to protect the higher survivor's income. From age 66 to age 70 that amount goes up 8% a year. 32% is really close to that third you will lose at the first passing.