Sunset
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Just asking, as a young guy, is there any benefit to delaying until 70 so you can be "poor on paper" between 62-70 and get much better government benefits or tax treatment?
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Yes.
You can drain your 401K and IRA's before RMD's have to start, while still staying in a low tax rate.
If you take SS early, then that is say 20K per year that cannot come out of IRA, but will come out at RMD time and the boost in income will make your SS partially taxable (possibly).
Also some folks go for ACA subsidies instead by living off money not in IRA/401K so they appear poor as very little of their income is taxable.