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Understanding Your Social Security Benefits: The Importance of Earning Consistency
nanmcurtis
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Most people think their Social Security check is based on everything they’ve ever earned… but that’s not actually true and it’s where a lot of people quietly lose money. The system only looks at your top 35 earning years. That means if you worked fewer than 35 years, or had gaps in your income, those missing years don’t just disappear they count as zeros. And those zeros can drag your average down more than people realize. Now here’s where it gets even more interesting. Two people can earn the same total amount of money over their lifetime… and still end
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