text:  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 and look at their earnings history and kind of go back like,