 and we can help guide you around the Social Security decision. So give us a holler, follow up. We'd love to help you out. But yes, I think waiting, especially as the benefit builds, is a wonderful strategy, presuming you don't need the money. Okay, if you, like Stephanie and her husband, are thinking about different choices, these are irrevocable decisions. So get in touch with us. Let us know if we can help you out. Go to JillOnMoney.com.