LOL Ram. I actually retired at the end of 2018 (sold my business) and waited until April of 2019 to claim SS at FRA, so I am ahead of you a bit. If we could catch a break here and turn this investment around, I guess I would be satisfied with my retirement situation. And, since I am no longer paying SS taxes since all my income is either SS, cap gains, or dividends, I guess I am not helping you much. But hopefully, you don't have too much longer to wait.