Ever wondered if you should burn through your 401(k) just to let your Social Security check grow? In this episode of Retirement Simplified, Curtis James breaks down the high-stakes trade-offs of delaying benefits, from survivorship advantages to the "opportunity cost" of lost years. We explore the four pillars of a successful exit strategy—risk, income, taxes, and legacy—and tackle the psychological hurdle of spending down what you've spent decades saving. Whether you are curious about the "pension-like" power of certain annuities or navigating the tax traps of returning to work, this guide provides clarity for your unique journey.

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