 Almost every social security timing calculator is going to advise you to delay, delay, delay. And Luanne, I have literally paid for five different social security timing calculation softwares. Huh. And I landed on one. And even the one I landed on advises clients to delay till age 70. Oh, my. Because mathematically, it's a very easy calculation, right? They're looking at it from the lens of how do you get the most from the trust fund? Mm-hmm.