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Being realistic, it would greatly matter. If we knew we were kicking the bucket at age 70, we would definitely take it at 62. On the other hand, if we knew we would be around until age 105, we would definitely start withdrawing at 65.

Being realistic, you have to look at your life expectancy (I've seen different programs on the net for figuring this), and then go from there.

Hope you're in the 105 group.
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