 This is something that we can help you navigate. There's nothing you can really do about it because you're still working. And I'd wager to bet that if you stop working, income that you take from your retirement plans is still going to cause it to be taxable. And all we can do is plan for that. So please give us a call and we'll help you navigate what to expect on the taxes when you turn 70 and start that Social Security. But honestly, I can't think of any good reason not to go ahead and start taking it.