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as mentioned, IRA withdrawals increase the tax on SS (so RMDs kind of get taxed twice) and if big enough increase Medicare premiums..

Not there yet but for some SS is only a component of income so it's tax on income not just SS, right ?

Other comment on Roth/Trad/RMDs/etc -

I will start looking at RMD possibilities in 2 years when I hit 59.5 and will plan accordingly but I will also keep in mind the advantages of inheritance of a taxable brokerage account as they are then. Right now, there's no requirement to do anything at any age and a stepup basis on it(at least I think that is true at the moment).

All of this does presume having more than enough for a lifetime but it IS hard to predict death date.
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