text:  that can be overlooked if you're going it alone, or if you're calling the social security administration, or if you're working with someone that doesn't have the necessary social security knowledge. This is why it's so important to be a retirement specialist when you're doing retirement planning, because there's a lot more to take into consideration than you probably did during your working life. One of my favorite things to do is to sit down with a couple and look at their social security statement, look at the earnings history and kind of go back like,