Everyone's situation is different....YMMV. Convert your 401k(s) to IRAs (rollover) anytime....non-issue imo. Roth IRAs never made $en$e....for me, but I've played the 72(t) rules to my advantage. Don't trust anyone but myself....I do OK. My SS payback is gonna suck....no matter when I start, and I've never counted on it....it's a rigged game
. If you don't pay in for 35 years....well...sorta kills it, for me...oh well.
No regrets....
edited: the years between ages 12-23...don't count
