So by taking SS early, we will end up saving our accounts $120k by the time we're both 66. And the standard 4% annual withdrawl from $120k is almost $5k per year. So you could look at it as us having an extra $5k per year from the portfolio that we wouldn't have if we waited to 66 to start SS. So the higher amount of SS we would have gotten if we'd waited would have to make up for not only not collecting anything for those four years but also for a $120k depletion of our savings/investments. Thank you for explaining this perspective so clearly, fle9bo. I also see starting SS sooner as an asset-sparing technique to be weighed against the higher SS benefit if you delay. It's not that I can't afford to use my assets alone (for a time, anyway), but that I'm not convinced it's logical to do so.
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