SmartAsset and Yahoo Finance LLC may earn commission or revenue through links in the content below. I am 64 ½ and have been retired for just over a year. I am receiving Social Security benefits, a bit early, but have not touched my nest egg except to withdraw $10,000, which I placed in a high-interest savings account as an emergency fund. Would it be wise to use part of that cash to top off my, or my wife’s IRA contribution for 2023 and then continue to withdraw small amounts for the next few years to bui ...