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Reply to "Taking Social Security at 62"
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[quote=Anonymous]OP you can retire early and not collect social security until later. We are tentatively planning to retire at 55 and live off our taxable investments until 59.5 when we can start withdrawing from our TSP and 401k. Only enough to stay in lowest tax bracket. We will supplement with taxable investments. We want income as low as possible so we can qualify for ACA health insurance subsidies and stay in a low tax rate. The lower earning spouse will take SS at 67 and the higher earner will take at 70 to maximize benefit. At that time, lower earner will switch to 1/2 of higher earner’s benefit. If higher earning predeceases lower earner, lower earner will then collect 100% of the higher earners benefit for the remainder of their life.[/quote]
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