As a general question on this, Chris, is it too simple to say that people should just generally delay taking Social Security?

Yeah, that's a good question.

So delay can be powerful with the guaranteed roll-up effectively of 8%, but it's not automatically right for everyone.

So waiting can make sense for a lot of people, if you're in good health, you have longevity in your family, you have other assets to live on, higher earning spouses, and you want more guaranteed lifetime income later in life.

That can make some sense.

But the, you know, claiming earlier can make sense for people if you're not in good health, uh, you don't have a surviving beneficiary, you don't have a need, uh, for money to live on, uh, you, or you need the money to live on now, and you might be retiring unexpectedly due to some changes in your life.

So, uh, there are times when, uh, claiming earlier can make sense for you.

Where do annuities fit into the Social Security claiming and retirement income planning process?