Not knowing what the Social Security rules are when it comes to divorce
Depending on your ex-spouse’s earnings record after a divorce, you might be eligible to claim that spousal benefit. If you fail to do that, it might cost you a lot of money. That member of the divorced couple who is entitled to get a smaller benefit amount might be eligible for a certain type of spousal benefit.
He/she needs to show that they were married for a minimum of 10 years, haven’t remarried, and meet a couple of other requirements too. Check with the SSA to get more info on the subject.
Cash is king always try to pay for something in person with that there will be no discrepancy about whether the funds are available or not.
Having been a CPA for over 40 years and having had the experience to have actually done the tax returns of dozens of retirees, I would disagree with your initial concern of taking your Social Security too early. Of course there are a few exceptions which is why it is worthwhile to discuss your particular situation with your tax preparer or financial planner. The amount of extra money you will receive will take many years to recover even at that higher income level. Meanwhile you have had use of the money.