text:  You're going to make that decision when you turn 65, that's the age that you can start Medicare, or if you retire after age 65. So by age 64, you should start getting that education, getting that explanation. We start with our clients a little bit sooner than that. But by age 64, because this is confusing, and you don't want to get right up to the cusp of your 65th birthday and all of a sudden say, I still don't understand this, I guess I'll just do X.