Hi, again FP

Things I haven't settled on:
1. Is it better to start drawing SS at 62 or 65?
2. Is it always better to delay withdrawals from tax deferred acounts until "haf to" kicks in at 71.5?<i/>

One of my best friends, who was also my first boss, low these many (40 to 45) years ago, was a calaculating fool. His calculations proved to him that he would have to live far longer than he thought he would to lose on taking SS at 62, so that is what he did. I don't remember his calculations, but do them yourself and see if you concur.

Second, I believe the "haf to" kicks in at 70.5, a year earlier than you show.

Regards