‘We own our home outright’: I am 67 and earn $100,000. Do I take my $30,000 Social Security now or wait?
“We have combined savings of $950,000 in retirement plans, Roth IRAs and Treasuries.”
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# Investing Summary A 67-year-old with $950,000 in retirement savings across IRAs, Roth accounts, and Treasury securities faces a Social Security claiming decision that will significantly impact their portfolio withdrawal strategy and tax efficiency over a potentially 25+ year retirement horizon. The decision to claim $30,000 annually now versus waiting will determine whether they need to liquidate growth assets or live off fixed-income Treasury holdings, directly affecting their long-term portfolio composition and sequence-of-returns risk.
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