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Don't Retire Early Until You Do This

·3 min read
Don't Retire Early Until You Do This

Similarly, if you're in line for a more generous Social Security benefit than the average recipient, that also buys you the flexibility to take larger withdrawals from your savings. It may be that between a higher earnings history and a delayed filing, you're looking at the maximum Social Security benefit someone your age can collect, or something in that ballpark. Imagine you decide to err on the side of being conservative and stick to a 3% annual withdrawal rate.