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Message: [QUOTE="Lafayette, post: 5285731, member: 14008"] I am an Enrolled Agent and concur with this. I think people should try to budget for what they want to do in retirement. Then it's a question of how to fund that - IRA RMDs, SS. Since SS comes with Med A+B if you have concerns over health you can take that early so you are covered by it. IRAs won't but taking them at 67 is the current thinking and then consider the state you live in - ~43 don't tax SS, ~13 states don't tax IRA RMDs. Also consider your home if you are downsizing as well as savings accounts or potentially you have Roth IRAs that at 59 1/2 become ATMs. [/QUOTE]