Welcome to the Jill on Money Podcast.

It is Thursday, August 26th.

And this is the program that takes the mystery out of your financial life.

And we do that by answering your questions.

So if you have an issue that's bubbling up in your financial life, why don't you share

it with us?

Sometimes just having the issue is daunting.

But if you send us your question, it already feels like you're on the path to doing something

kind of fabulous, which is getting one foot in front of the other financially.

That's what Michael did.

Michael's on the line from Illinois, and we're going to talk about social security claiming

options.

I know the general rule of thumb is to try to hold off and claiming until one turn 70.

But I had a question about another alternative.

I'm currently 65.

I will reach my full retirement age next year.

My thought is that if I claimed at 66 and took the money then, I could take some of my

retirement savings and put it into a Q-lock, which would then kick in at mid 80s or so,

and then give me the extra money that I would be missing out on from not delay until 70.

And I've not heard that strategy discussed anywhere.

So I just kind of wanted to get your thoughts on that.

First of all, how about you just pulling out the Q-L-A-C-U-Q-LAC out of your little bag

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