 You don't want to run out of money. And this is one of those checks that comes as long as you live. And if you get that bigger check, the cost of living adjustments is going to be based on a bigger amount. So that's my theory. And then there's the idea, too, that because they tax Social Security, which you paid for with a tax, but that's another topic, that if you take it while you're still having healthy other streams, like from full-time work, you're going to pay a higher tax rate.