Delaying Retirement by a Few Months Can Substantially Increase Your Standard of Living

Thanks for sharing CW5 Jack Cardwell I am planning on waiting until age 70 to draw social security. Recently we consolidated our financial assets into a traditional IRA.
Over the next ten year or more, the plan is for us to pay taxes on funds we move form the traditional IRA to a Roth IRA. Our goal is pay taxes at a lower rate of earnings and reduce our mandatory distributions at age 70.

I was terminated from employment at the end of June 2013 because the Affordable Care Act was being implemented and I and have significant disabilities.

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I don't plan on retiring until I can't work anymore.