Here’s What Really Happens When You Use Your 401(k) First to Boost Social Security

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Many retirees hear that spending their 401(k) or IRA early so they can delay Social Security is a smart move. The logic sounds simple — use your own money first, let Social Security grow, and lock in a higher guaranteed benefit for life. But once you actually run the numbers, the strategy becomes far more nuanced.

I regularly see retirees who don’t realize how early withdrawals affect taxes, Medicare premiums, required minimum distributions, and long-term income stability. In this video, I walk through what really happens when you intentionally draw down your 401(k) to delay Social Security, and why this approach can work very well for some people — and poorly for others.

We explore how delaying Social Security increases guaranteed lifetime income, how early withdrawals can reduce future RMDs, why a smaller pre-tax balance can sometimes improve flexibility, and how this strategy may help reduce sequence-of-returns risk. We also discuss the less obvious considerations, including IRMAA surcharges, healthcare costs before Medicare, and the importance of structuring withdrawals carefully.

If you’re approaching retirement and weighing whether to spend your 401(k) to increase Social Security, this breakdown will help you understand the trade-offs clearly — so you can decide whether this strategy fits your goals, taxes, and timeline.









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