1. Is it better to start drawing SS at 62 or 65? I look at this question based upon NPV, assumed reasonable return rates, 0%, 50% and 85% of SS being taxed by Uncle, at both the 28% and 31% marginal tax bracket, COL adjustments at 3%, 4%, and 5%, plus a few other variables to just get a feel. My conclusion was that the crossover point was ALWAYS beyond my life expectancy!!! Thus take the money at 62 an enjoy it!!! Dick
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