text:  Yeah, when I think about this question that you have, Eric, I think it's one that a lot of people get wrong. And people will say, well, there's a cost of living adjustment. And actually, it really negatively impacts the way that people are doing their Social Security planning quite often because they're getting this piece wrong. And that is that most often you forget you're still getting those cost of living adjustments, whether you filed for Social Security or not.