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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?

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