 Well, given that there are so many different claiming strategies, one thing that people need to understand going into it is you have options. And rather than following what a friend, neighbor, or colleague said they did, you need to make the decisions that are best for you. Because chances are you may have, in addition to Social Security, you may have a pension. You may have purchased an annuity. You might have an IRA, a 401k, some rental property. You may have other stuff going on.