I agree with the points about the tax advantages of IRAs and other tax-deferred accounts. One "tax" disadvantage that I do not see mentioned very often is that RMDs may trigger Medicare IRMAAs.
I thought that the spousal benefit was based on your benefit at full retirement age. If so, then waiting until 70 would not increase the spousal benefit.
Comments
I agree with the points about the tax advantages of IRAs and other tax-deferred accounts. One "tax" disadvantage that I do not see mentioned very often is that RMDs may trigger Medicare IRMAAs.
Post: Retirement Accounts
Link to comment from May 16, 2026
I thought that the spousal benefit was based on your benefit at full retirement age. If so, then waiting until 70 would not increase the spousal benefit.
Post: Rethinking the “Right” Time for Social Security
Link to comment from April 25, 2026