[sickoflibs]

RE:”Assuming you have sufficient funds set aside for emergencies, deferring all this income has another benefit that many people miss: it imposes spending discipline. You can't spend these retirement funds on a whim. So you adjust your standard of living to the remaining taxable income.”

Which our Roths can be used for too.
I am in the same situation as you are.

One thing that is readily ignored here and on talk radio because it doesn't fit a simple black white theme is how many Americans and non-Americans ( many under 65 too as well as over) here end up in nursing homes long term on medicaid=just adding to national debt. And they are hell holes as it is, immigrants do most of the dirty work..

Many don't realize its medicaid paying for the long term nursing care not medicare. And just dumping them out on the street is not an option. And yes, many see their own savings paying for the nursing homes as 'government stealing my money' so they don't like having savings round that they think the government will 'steal' for those nursing bills.

Maybe an idea like the above will generate some personal savings $$$ to pay for SOME of their nursing home expenses that future taxpayers will get stuck with,

[justlurking]

My wife and I have long term care policies.

They aren’t cheap, but it means we don’t have to spend almost all of our savings on nursing home care before Medicaid will pay.