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The key here is that you plan to retire next year.
You are not old enough to start receiving social security.
The reason I have not touched my IRAs is that I'm still working and I'd have to pay a higher rate of tax on withdrawals than will be the case if I wait until either I retire, or age 70 1/2, whichever comes first.
Presumably your income in retirement will be some combination of withdrawals from your IRAs and withdrawals from taxable investment accounts. Later on, there will also be Social Security.
To start getting some of that money out of the taxfree accounts makes sense to me.
Best wishes, Chris
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