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Originally Posted by aljetmet
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As a general statement taking SS as soon as you can is not the best option if you can afford to pay your bills from other assets and expect to live a long life. This is probably what most people do not do. Thus this is a very good article to consider.
SS is not simple but file and suspend (one spouse collects on the others SS and that spouse has suspended their payment so they are buying the annuity) can help you buy the annuity. Also one spouse collecting SS now and the other buying the annuity may work. Especially if the collecting spouse (lower paid of the two) can switch to the other spouses benefits when they start collecting.
The key is to do a lot of research before you make the decision. One good thing is that if you postpone collecting you can always change your mind and start collecting if you need too.