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Another consideration is whether you’re collecting Social Security benefits and whether your eventual RMDs will cause your benefits to be taxed.

If your adjusted gross income is more than $25,000 for single filers ($32,000 for joint filers), your Social Security payments can be taxable. If an eventual RMD will trigger that tax, an earlier withdrawal from your retirement account may be in order. Weighing all the considerations that can come into play once you’re retired can be a complex decision that can vary widely for each individual and  ...