 Hey, if you're getting very close to retirement, join the crowd and get in line to talk with Alan Costello. But he'll always have time to talk with you. And it's 270-201-7080. Here's our next one, Alan. A couple of friends I work with are retiring at 62 and claiming their Social Security benefits. I thought I had to wait until 70 to take it. And you don't have to wait, do you? That's his question.