text:  that's going to be factored into your social security, your social security adjustments. So quite often you'll hear, well, social security benefits increase at 8% a year. It's around 8% a year. And as those benefits increase at 8% a year, those are called delayed retirement credits. So every year you're deferring your benefit, you're getting roughly an 8% raise in benefits if you turn them on the following year. But you're actually probably going to get more than that in