The calculation of Social Security retirement benefits hinges on your highest 35 earning years, adjusted for wage inflation. The Social Security Administration selects your top 35 income years to compute your Average Indexed Monthly Earnings (AIME), which determines your payout. If you work fewer than 35 years, zeros are factored in, lowering benefits. Therefore, longer, higher-income careers directly increase retirement income, benefiting workers who maximize their earnings over a full career.
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