wealth ssa derived

{
  "input": {
    "type": "http",
    "method": "GET",
    "queryParams": {
      "birth_year": "1965",
      "marital_status": "single"
    }
  },
  "output": {
    "type": "json",
    "example": {
      "key_ages": {
        "fra_note": "Born in 1960 or later, FRA is 67",
        "earliest_claiming": "62",
        "maximum_delay_age": "70",
        "full_retirement_age": "67"
      },
      "birth_year": "1965",
      "disclaimer": "For informational purposes only. Benefit estimates are illustrative. Use SSA.gov My Social Security for your actual projected benefits based on your earnings record.",
      "amazon_link": "https://www.amazon.com/s?k=Social+Security+claiming+strategy&tag=pulsenetwork7-20",
      "amazon_search": "Social Security claiming strategy",
      "optimal_strategy": "Delay to 70 given married status and good health — 24% higher benefit and larger survivor protection",
      "spousal_benefits": {
        "applies": true,
        "strategy": "The higher earner should delay to maximize the survivor benefit",
        "survivor_benefit_note": "A surviving spouse steps up to the higher of the two benefits"
      },
      "breakeven_analysis": {
        "fra_vs_70": "Age 82-83 vs claiming at FRA",
        "early_vs_fra": "Age 78 vs claiming at 62",
        "interpretation": "Delaying pays off if you expect to live past your late 70s"
      },
      "monthly_benefit_scenarios": [
        {
          "claim_age": "62",
          "relative_benefit": "If FRA benefit is $2,600: ~$1,820/mo",
          "reduction_or_increase": "30% reduction vs FRA"
        },
        {
          "claim_age": "70",
          "relative_benefit": "If FRA benefit is $2,600: ~$3,224/mo",
          "reduction_or_increase": "24% increase over FRA"
        }
      ]
    }
  }
}