 And I'll be 70 in just a couple of months. I'm still working and I plan to work for another couple of years. Should I start my Social Security while I'm working? Al, yes. There's no benefit of leaving that Social Security on the table any longer. So once you turn 70, you do need to go ahead and start drawing, understanding if you're still working. I would be willing to bet that 85% of that Social Security is going to be taxable.