Both my son, 34, and daughter, 27, are well accomplished. Each has a master’s degree in the computer-science area and each is employed and living in their own condos that we helped them attain with the down payment. Neither is married yet. We both plan to take up the Social Security benefit at 70. My wife apparently can’t do the spousal benefit because her own benefit would be higher than half of mine. My wife has her own IRAs from her work and we do have a joint investment account with Charles Schwab and a ...