One kicker that no one seems to address: 401(k) disbursements are treated as ordinary income for taxes. Up to 86% of Social Security is taxable depending on in

One kicker that no one seems to address: 401(k) disbursements are treated as ordinary income for taxes. Up to 86% of Social Security is taxable depending on income. Therefore, you get a double whammy tax-wise from taking out money from your 401(k)... you pay tax on it and it triggers tax on your Social Security income. It quickly puts you up into the higher tax brackets too.