 They've got about $500 a month in dividends, and they'd like to draw down from the taxable retirement account to make up the difference. Okay, so let's look at that. So remember, they only need $50,000. This is going to be a no-brainer, I can tell already. My wife will take her Social Security at $62,000. She'll make $900 a month. Then I will wait until $65,000.