She can go and get another job I’m sure, but she doesn’t seem inclined to start another career or even another job-rather travel etc. Her pension will be pretty decent.
She still would have to wait for SS until 62 which is 8 years, she would probably reason if she waits 8, she might as well wait 16 although none of this has been discussed with her so I don’t know. But if she’s not accumulating quarters between 54 and 62…. you’re saying that the amount could go lower in those 8 years because of not paying into the system?
I understand doing the math between waiting from 62 to 67 to 70… when one reaches 62. What to do before you get there.