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hi is Brian Decker with your Market minute I want to talk about social security for a few minutes um theres seven things to know before you start your Social Security and well cover half of them this week and the other half next week number one is you can know exactly how much Social Security benefit youre going to get by using the interactive tool that they have on ssa.gov it lets you put in benefits look at different ages track the benefits that you have right now you know its a good tool we recommend it on ssa.gov have your login there and see your specific benefits at different ages number two want to make sure that you know that your Social Security benefits grow five percent a year from 62 to 66 and then eight percent a year from 66 to 70. so it seems like a slam dunk to have everyone wait till 70 why dont they all do that that well theres another Factor if I draw 62 and you draw at 70 I have an eight year head start on you and the lines cross around age 82. so if you have