 it would be unlikely for Congress to make big changes because that would create a riot in my opinion. So I don't think that's a big fear that's well-founded, but some people feel that way. I think the more important questions to ask is number one, do you need the money right now? Like for instance, someone like me who's at a later age still working and my husband's still living and he has a retirement and I have savings and we're not really needing that social security check right now.