I generally agree with the suggestions you have received.Carefully consider your tax situation and how it will change in the future. Adding Social Security will increase your income and possibly your tax rate. Mandatory distributions at age 70-1/2 will probably give you the highest rate you will see in retirement (other things being equal). Spending your savings and Roth means no increase in taxable income.So plan it out to pay taxes on your IRA at the lowest possible rate. Even if you don't need the income, make sure you use all of the lower income tax brackets every year. Use surplus bracket to do partial Roth conversion on the IRA.
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