Married couples face a Social Security decision that outlasts one lifetime. Here's why the higher earner delaying benefits to age 70 can mean a larger, lasting income for whichever spouse lives longer, and how to think about the tradeoffs.

Imagine a world where the alarm clock never rings. You never have to sit in rush hour traffic while staring at the minivan and trying to figure out what that sticker means. You never have to attend another meeting that could have been an email. You can simply wake up naturally, pour a cup of coffee, and stare at the birds …