Hi, Vince Oldre and welcome to another Social Security video. I want to talk to you about one of the issues that a lot of married couples have when they’re trying to figure out how to take Social Security. But one of the biggest things you need to understand is that you need to understand what happens when one spouse passes away. And so if we have two spouses here, or spouse one and spouse two. And let’s say spouse one is receiving $2,000 from Social Security. And spouse one, or spouse two is receiving a $1,000 from Social Security.Well, when the first spouse passes away, what we know is one of those Social Security checks is going to go away. Now which one will go away? The smaller of the two. That means spouse number two’s Social Security check will stop and whoever is still living will receive the larger of the two. So if you know that answer and you’re trying to calculate how are you going to take your Social Security and you’re trying to see, well, should we both start our Social Security’s at the same time, should one defer, should one start early? What we see is, sometimes what makes the most sense is that whoever has the largest Social Security check should defer theirs as long as possible that makes sense for their retirement plan. And the reason why is because we know that this will be the survivor check. We know that when the first spouse passes away, the larger of the two is going to stay. So if we can increase this by another 32%, that’s going to significantly help this check that we just lost. All right. So when it comes to taking Social Security and if you’re a married couple, you have a little bit hard decision to make because it’s not that easy as far as just both starting to take Social Security, because you have to think about what’s going to be left behind for the surviving spouse? If you have more questions around Social Security, please let us know and we’ll help you answer them. Thank you and I look forward to talking to you at the next video.