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Mark Miller: Remaking Retirement

One Social Security Strategy That Can Pay Off Big

'File-and-suspend' can work so well for couples that it may be limited in the future.

Note: We're refeaturing this article as part of Morningstar's October 2014 5 Keys to Retirement Investing special report. This article originally appeared May 1, 2014. 

It's not often that the federal budget deals with the nitty-gritty of personal-finance strategies for retirement. But this intriguing statement is buried deep inside the fiscal 2015 budget that President Obama released in March: