Welcome to the Jill on Money Show. It is Sunday, October 2nd. And this is the best time of

the year for me and Mark. We like our autumn season, October, November, December, Mark

on the record saying his three favorite months of the year. So I give you the autumn, I give

you the fourth quarter. Today, we are going to do, we do every day, seven days a week.

We actually try to chat with you and help you create a pathway forward. I know these

are treacherous times for every investor. And even if you don't have a ton of money invested

every time you hear a headline about markets up or down and big swings, it's unnerving.

I get it. It's very difficult to really tune that out. So I'm not going to say tune it

out. But I think it is better if you can try to put that in a place where you're like,

OK, that's scary. But what can I control? What are the things that are in my power to change

in my financial life? And if that's the case, if you need some help with that, just go to

our website Jill on Money.com, click the contact us button. Of course, let us know if you would

be willing to come on the air, marked us everything else today. We are talking to Michael

from Illinois who wants to chat about social security, claiming strategies.

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 queue 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 QLAC, QLAC out of your little bag of tricks.

So that's very, very impressive. Let me just define it for everybody else. So it's a qualified

long-jeivity annuity contract. And it's basically a deferred annuity. It's funded with an

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