 For me, it's a no-brainer. It's only a $9,000 cut. I am taking the 100% joint and survivor. That leaves him with $59,000 plus her $40,000. That's basically $100,000, which is kind of what they need. Right, and that's even before we do Social Security. So that's why I think that the Social Security is going to be the no-brainer. Now, here's the only thing to think about.