 that the numbers will indicate that they should wait as long as possible for Social Security. But what do you think is going to be the best choice for the pension for him in 2025? 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.