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Author: MurrayS Big red star, 1000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 75523  
Subject: Re: What age to take SS payments? Date: 12/3/2013 7:38 PM
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In our situation, nearly all of our retirement income other than SS will come from IRA distributions and will therefore be taxed and ultimately be subject to RMDs.

I haven't run the numbers, but one advantage of delaying SS is 8 years of pulling money out of the IRA at relatively low tax rates vs. SS being taxed which will raise the effective tax rate on the withdrawals.

Are tax rates of 15% vs. 25% plus factored into the spreadsheet for the 8 years of early SS?

-murray
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