No. of Recommendations: 0
1. Is it better to start drawing SS at 62 or 65? I look at this question based upon NPV, assumed reasonable return rates, 0%, 50% and 85% of SS being taxed by Uncle, at both the 28% and 31% marginal tax bracket, COL adjustments at 3%, 4%, and 5%, plus a few other variables to just get a feel. My conclusion was that the crossover point was ALWAYS beyond my life expectancy!!! Thus take the money at 62 an enjoy it!!!


Thanks for the feedback, Dick. My limited analysis was not nearly so complete a sensitivity test as yours. I also concluded the same thing.

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