 It's also going to affect how much tax you pay for Social Security. People think, oh, I've paid Social Security taxes my whole life. Social Security is tax-free. Wrong. Social Security is taxed. It could be taxed, or 85% of your Social Security benefit could be taxed. Well, and the other thing that he's not bringing up, and I may have not let him get to it, but they change tax brackets from time to time, too. So the IRS can change the tax rates sometimes.