 At what point do I collect it? It's also about how do I coordinate my benefit with my spouse's benefit? Because there's survivor benefit rules you got to be aware of. Number two is what about the tax laws? A lot of times people think that maybe their Social Security is non-taxable. And for most people, most of our clients anyway, who tend to be a little bit more affluent and have pretty good levels of income in retirement, Social Security carries a tax burden.