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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.

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