https://www.live-feeds.com/feed/a-1-8-million-401-k-and-social-security-coming-up-drain-it-before-70-to-dodge-the-irmaa-cliffContinuously updated, source-cited coverage. https://www.live-feeds.com/feed/a-1-8-million-401-k-and-social-security-coming-up-drain-it-before-70-to-dodge-the-irmaa-cliffhttps://www.live-feeds.com/feed/a-1-8-million-401-k-and-social-security-coming-up-drain-it-before-70-to-dodge-the-irmaa-cliff#u14829Fri, 26 Jun 2026 22:01:58 +0000Some retirees are draining traditional 401(k) accounts before age 70 to delay Social Security benefits. This approach aims to reduce lifetime taxes and avoid Medicare IRMAA surcharges. By using retirement funds as a bridge, individuals can secure higher monthly payouts later.What's confirmed:Delaying Social Security benefits until age 70 can result in 76% higher lifetime benefits.Income from a 401(k) or other qualified retirement plan does not affect the amount of Social Security benefits received.Spending 401(k) funds early and delaying Social Security benefits to age 70 is a strategy used by