Subject: Re: Bucket withdrawal opinion
I mostly retired at 60. Probably going to get social security at 63 (wife) and 70 (me). I don't want to start my wife's this year since I want to do some Roth conversions.

If you plan to do the ACA, you may want to delay until you're both 65. Otherwise, you may not qualify for an premium assistance for your health insurance.

That is complicated by the fact that a provision to smooth out premium assistance will expire this year, unless renewed. In which case, there will be a sharp cliff for assistance. Earn $1 over, and you get no assistance.

If that happens, I likely will take the full distribution from the inherited IRA so I can steer clear of that cliff in future years (I have to distributed that IRA within 8 years now).