Uncle Sam can change any rules anytime they want to so its a crap chute no matter what.

It’s not a flat 85%. It’s up to 85% over a certain amount of unearned income.

Plus, at age 70.5 you gotta start a scheduled withdrawal of your 401k so’s that same uncle can hit it hard if he so chooses-which can also change at any moment.

I say minimize the 401k withdrawals and maximize the SSA payout OVER YOUR LIFETIME so the heirs get what’s left over that the hot bimbo you met at Costco didn’t find.