 I have a problem with that because we know that we have that full retirement age benefit, right? The age when you can start taking Social Security without a penalty, and it's based on the year of birth. But if I'm going to take it at 62 and I'm still working, why would I lose my money and have a penalty paid? Well, it's not just losing your money. You also can only earn so many dollars before you're penalized to pay for every $2 you pay a dollar back. So that doesn't really make sense.