Do you do your own income taxes? I do, using TurboTax. We both started SS at age 62 and we also withdraw some from our IRA each year. For the past two years, because we itemize deductions, we have paid ZERO state or federal income taxes.IMHO, I say take the SS income and then see what you can do with your tax calculations - legally, of course.Good luck.Vermonter
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