Two logins, one Social Security claim year

Why one spreadsheet stopped working

Claiming at 67 looked fine until they modeled Nina's pension stepping down. Pat kept editing a shared sheet and overwriting Nina's assumptions. They needed one plan with two logins.

What Household changed

Household at $228 a year gave them that. They typed incomes, the pension schedule, and spending, then compared claim at 67 versus 70. Delaying the claim widened the survival band once the pension cliff was in the timeline. Claiming early looked workable only if spending dropped. Both could open the same plan and leave notes. No bank linking.

How they bought

They bought Household online after a week on Core with one login. Checkout stated yearly billing and two logins. Support answered by email when they asked how shared notes worked.

Illustrative story. Projections are estimates. Not investment or tax advice.