An Even Better Reason to Wait Before Claiming Social Security
The bigger check is the usual reason to wait until 70. The better one: the years to empty your IRA, so your children never pay tax on it.
October 22, 2026
Articles
Retirement planning insights from the WhenIm64 team.
How to Choose a Roth Conversion Strategy
Every Roth conversion rule compares your tax rate with your heirs'. Almost nobody asks who your heirs are. How heirs, charity and a surviving spouse decide which conversion strategy wins.
October 11, 2026
The 2030 Inherited IRA Tax Bomb — And How I Found It By Accident
The required minimum distribution on a post-2020 inherited IRA is not the recommended distribution. If you follow tax rules you will be hit by huge tax bill after 10 years.
March 21, 2026