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Depending upon current earnings, banked vacation pay, unused holiday pay, and the amount of RMD; you may discover that you have to pay a higher premium for Medicare Part B and Part D in two years.

That happened to me when I retired in 2013 because I emptied my 401(k) using a Net Unrealized Appreciation (NUA) withdrawal. At least, Social Security only penalized me for one year on the Medicare premiums.
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