If you have health insurance I would concentrate on level income. I would get the estimate of your SS based upon your age that you will draw it at. 70% of your full benefit at 62, full benefit at 67. With this amount I would look at the draw down from your 400k until that age using that benefit amount. That sum that you need, let's call it your interim privately funded SS, should be deducted from your cash on hand. The amount that remains is what you have to work with. This will place the decision in laser focus.
Why do this exercise? You will want income now at age 56 not when you draw SS.
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