@cnj083
I'm not sure I agree with my colleagues. Assuming no more changes to the tax law (which is a big assumption), then it's a zero-sum game. Suppose you would normally pay $5000 in taxes this year. The withdrawal would increase your tax to $6000, and next year when you turn 65 you would pay $4000 after taking the extra senior deduction into account. If you delay the withdrawal, you pay $5000 this year and $5000 next year -- nets out the same. (*Numbers are approximate, and ignore the effect of inflation and opportunity cost.)
It really depends on what the money is needed for--if you would be forced to pay extra interest to borrow the money for a month (or carry it on your credit card or whatever), then it's probably better to not pay the interest.
Remember that money is meant to serve our needs, not the other way around.
