You have spent decades saving for retirement. Now that retirement is approaching, one of your biggest decisions is when to start collecting Social Security. Is it better to take the money now or wait for a larger monthly benefit? The answer may have as much to do with your spouse as it does with you. Social Security recently announced a 3.6% cost-of-living adjustment for 2027. But even with higher benefits on the way, one important question remains: Should you claim now or wait? If you're 64,...