 there's a couple challenges with this. Number one is this strategy, waiting until 70, is often pitched as a no-brainer, but that's not necessarily true because, sure, delaying your benefits to age 70 will give you the highest check because you'll get the cost of living adjustments plus it increases by a guarantee of 8% every single year. But then you have to look at all the other factors. When you consider the taxes on your benefits plus the impact of having to take required minimum distributions on your IRA and 401k withdrawals,