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what it comes down to assuming you have enough assets to hold out longer before taking it ,is do you want to die with the biggest pile or take the biggest monthly withdrawl you can get. if you dont need the extra money monthly than taking it early will work best for the biggest pile if you dont think you will live along time. if you live an extended life than taking it later results in the biggest pile. . if you want the maximum withdrawl without regard for the biggest pile when you die than take it later
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