text:  unless we're experiencing deflationary times, you're going to get not just your 8% deferred retirement credit, but you're also going to get in 2024, your 3.2% cost of living adjustment. So your social security actually just went up by 11.2% without factoring in your earnings record, which you probably in all likelihood, most of the families we're working with, they're making more money in these later years of