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Greetings, Donmud, and welcome. You wrote:

<<If your taxable Unearned Income is over $65,000 (Single) until age 70, does it make sense to collect SS Benefits and have them taxed (85% at 28% or higher). Does it not make sense to wait to collect? Much less the question of starting at 62 vs. 66. I was born in 1944.

I would really like some help with this. Everything else I saw disregards the Federal Income Tax angle. Plus the California State Income tax at 9.3% is another factor.>>

Only you have all the necessary numbers to run the projections. Just use this year's Social Security taxation worksheet that's in the instructions for the Form 1040 income tax booklet to see what the advantage or disadvantage would be for you. You'll also have to guess for how many years after age 70 you will live to get an idea of how much of that higher benefit you would collect.

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