Retired last October with severance through 2020. I'm 66 this year and not taking SS until 67. Thinking about delay SS another for 4-yrs. I have $325,000 in 401- K, $40,000 in emergency fund and $26,000 in HSA. Monthly living expense are $3,000 with mortgage(only debt). If I delay SS I will start in 2021, I will need to pull $36,000 per year from 401-K to cover my expenses for 4-yrs. But if I start taking SS which would be $2,000 per month. And then pull $22,000 from my 401-K to cover balance of expenses ($12,000) and the other $10,000 to pay toward mortgage principal. I have 7 yrs left on mortgage at 3.73%. This way my mortgage would be paid off in four years. I would be debt free and could live off SS easily and then use my RMD from 401-K to empty out my Bucket List!. Do I take SS now and ride out mortgage for 7 years. Or delay SS 4-yrs pay off mortgage. That is my question, just uncertain which is the best roll of the dice. Any and all thoughts are grateful. Your video's have inspired me and have cause me to start thinking outside of the box.  Now I'm looking at doing a cash gig on the side. Thanks Josh for your video's and your thoughts.

No...Happy divorce for 20 yrs...lol