I don't believe that the Social Security Administration (SSA) is out to intentionally mislead us, but the system is extraordinarily complicated. And of course it's always possible that an agent will misinterpret your question or even make a mistake.
To me, it's all about balance. There's no boiler plate solution; it depends on your personal situation. With some planning, I believe you and your wife can enjoy this time in your life without jeopardizing your future.
You're in final negotiations to buy a new car and the dealer is urging you to protect your $20,000-plus investment by purchasing an extended warranty (also known as a service contract). Are these costly add-ons worth the expense or simply a sucker bet intended to boost the seller's bottom line?