62, 66 or 70

[gozzie]

I appreciate everyone's comments but what I've learned is that there is no answer. So, I think I will defer SS for a while and see how our finances stand up to retirement. I don't think I will live to be old (I enjoy Scotch and wine too much) and I don't want to be real old and decrepit. But, I would have to be old and broke.

 

[teejayevans]

I appreciate everyone's comments but what I've learned is that there is no answer. So, I think I will defer SS for a while and see how our finances stand up to retirement. I don't think I will live to be old (I enjoy Scotch and wine too much) and I don't want to be real old and decrepit. But, I would have to be old and broke.

If going that way, and you are in the low tax brackets (15% or less), transfer money
to Roth IRAs, pay your 15% now, then when you do start taking SS, you have non-taxable
money you can tap, postponing paying tax on the SS, see previous detail discussions
about this

 

[cute fuzzy bunny]

Absolutely. We'll be tapping our Roths for income starting at the earliest possible age, until they're empty, while allowing the regular IRA's and our taxable portfolio to accumulate.