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No. of Recommendations: 1
Bird in the hand.
Bird in the hand vs. 1.77 birds in the bush. Not even the 2.

SSA: "only 5% of men wait until 70, according to Social Security Administration data."

Those 95% of people see something that the 5% don't (or won't). The 5% assume that they are right and everybody else is wrong and stupid. And a lot of these 5% staunchly refuse to consider looking at it from the other people's point of view.

Delayed gratification is a powerful tool. Studies show that delayed gratification is one of the most effective personal traits of successful people. ... Over time, delaying gratification will improve your self-control and ultimately help you achieve your long-term goals faster.

Last time we discussed Roth Conversions and mentioned the tax rate changes when one goes from MFJ to Single filing, you acknowledged you had not taken that into consideration and finally realized you needed to do so. I don't see that analysis here. Did you ever get around to considering that?

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