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For Case A, the entire $SS70 comes from the SSA.

For Case B, you get $SS62 from the SSA, and the shortfall ($SS70 - $SS62) is taken from the investment account.

In each case, you get $SS70 per month.

The question is: How long does this investment account last before it is depleted? That's the crossover point. The higher the earnings are, the longer the account will last. At a high enough return, that account will NEVER be depleted. - rayvt


Thanks Ray, that is clearest and most succinct explanation of this tradeoff that I have seen.

I waited to 70 so that ship has sailed for me, but just to add to the conversation, I will point out that in my case, had I started taking SS at 62, that extra income would have diminished my capacity to do Roth Conversion during those eight years.

Note my Roth conversion max was a self imposed limit based on the top of the bracket I was targeting, not any sort of IRS limit. Most here know that but stating just for clarity.
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