 Wrong. Up to 85% of those benefits can be taxed and is adjusted gross income. Misconception number two, you won't get your benefits if Social Security trust fund goes bankrupt. We talked about what it means when you hear these headlines like 2033 or 2034 that Social Security is going to be out of money. Go back and listen to those segments. You can look at it on our website or you can look at it on any places you get your podcasts.