Is he ok with giving away this potential, what, eight % rate of return per year on social security by taking it later? Is he happier having more money available and doing more things? Maybe maybe there's some travel that he's put off. So i think those values discussions are the really fun ones. Those are the great ones. He could pay off his mortgage, lower his expenses by a thousand a month, and then still take social security. And now he's got extra money to live a highball retirement life.

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