You're working, and you've got a family that depends on you - both now and down the road. Where do you invest your money? Do you borrow against the equity in your house? Through a preferred provider relationship with USAA, The American Legion can provide expert financial advice to just about any question.
We’re not quite sure what your question is. If your wife waits until 2016 she’ll begin her benefits at roughly the same time as you will begin, having delayed your own benefits until age 70 (and accrued 30 percent+ worth of delayed retirement credits!). But if you meant to ask if she could draw on her earnings record “before 2016” thus allowing you to elect to take a spousal benefit while your benefit continued to grow, then yes! These are complicated and basically final decisions. We would certainly recommend visiting your local Social Security office and crunching the numbers with them.