• Living in Retirement
  • Social Security
  • Living in Retirement
  • Social Security
  • Living in Retirement
  • Social Security
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ANSWER: True.

Social Security calculates your average indexed monthly earnings during the 35 years in which you earned the most. Social Security averages together your highest 35 years, meaning you need to work for 35 years to maximize your benefits.

For example, if you only worked 30 years, then you have five years in which you have $0 attributed as to your income when your Social Security benefits are calculated.

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