4 Simple Ways to Increase Your Social Security Benefit

Do you want to get the most out of your Social Security benefit? In today's video, you'll learn how Social Security is funded and how you can maximize it.
Timestamps:
00:00 - Introduction
1:00 - How Social Security Works
2:03 - Indexing For Inflation
3:00 - Earnings Are Means Tested
4:20 - Understanding Your Social Security Benefits
5:20 - Primary Insurance Amount
6:25 - Importance of 35 Years
7:43 - Delayed Retirement Credits
8:34 - Spousal Benefit
10:16 - Understanding Survivor Benefits
11:07 - Tax Planning & More!
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[@tonyfontana8222]

I have a friend who had 3 brothers all passed away before collecting SS. They all paid into the SS all their working years. None of them were able to collect a dime. I'm taking my SS at 62. Tomorrow is not a guarantee!

[@alk3078]

Most people are better off working till full retirement since your last working years are usually your highest paying years

[@KG-wh8yv]

TRUTH, and it takes 15 years to break even if started at 62 years old. Take it as soon as possible. Who really wants to gamble with their life at those ages. Each have their own unique situations. But once people start observing loved ones pass away in front of them, they start having a much different perspective.

[@gutadin5]

i got fired at work and worked for 30 years and i'm 52 now, at what age should i file to collect my benefits?

[@tmac9208]

@gutadin5 Do you think you will ever get back to your previous esrning power before getting laid off? Or are you being age discriminated, like in IT or something? If so, have you set yourself up already? Can you make a plan, at reduced earning power, to work until 62, and get out of the rat race? It might be worth it to have that plan and increase your quality of life and figure out what your going to do in 10 years when you hit 62. Work out, not worry about the corporate ladder as much, start a blog (you tube, book, website, training program) and basically download that epic resume into the next generation and get paid a little too.

[@MrTulipvang]

My brother too .. He passed away at age 61 😭

[@joanoconnor8552]

This should be taught in all high schools. You do a great job explaining the complexities of social security that probably 90% of Americans don't know.

[@tommynikon2283]

67 here, still working (self) and part of my Master Plan was to NOT draw upon SS until at least 67. I said that in my twenty's. I could now, but why?; by waiting an additional (3) years, I gain 25% in added monthly payment amounts. THAT for me, in my situation, IS worth it. Besides, longevity runs in my family: my dad is 93.

[@RootFP]

Your personal situation is all that matters when making your decision

[@cathyallshouse2981]

Good reasons for your decision. I'm turning 65 in a few weeks, just signed up for medicare, and will retire at my FRA, around age 67. I fully realize I'm leaving money on the table, but I want to be able to enjoy my retirement before I become physically too feeble to enjoy a national park or walk through a museum. I have one parent still living at age 83 and the other diied at age 60. I dunno what that means for my longevity

[@michaelchristophergutierre7244]

Yup every one situation is different. But I'm glad your still working and doing something you enjoy. That keeps the spirit and mind healthy

[@mannfiore5138]

You're gonna live forever ... thanks for letting other enjoy your money! 😆

[@claytontom688]

MOVE TO MEXICO. I RENT AN APT $250 USD / MONTH.. LIFE IS GOOD HERE . NO FINANCIALSTRESS. IN CALIF. I WOULD BE HOMELESS. VIVA MEXICO

[@PATinPattayaThailand]

Yea, well I made mistakes in my first 20 years and paid in way less than my final 20 so my benefit isn't as much as it could be. BUT you can also move abroad, to places like Thailand, Philippines, Costa Rica, where you can quadruple or even more your Social Security's value instantly. I started collecting at 62, when I retired and decided to move to Thailand. I didnt want to keep working until 67-70 in order to afford a decent retirement while living in some less than desirable state in the US(sorry Texas, Arizona, Idaho). I decided I'd rather start living a good life in retirement by leaving for a country where cost of living is way lower even while standard of living went way up! I live in a seaside condo for less than 500$ a month and my total expenses each month are less than 1500! And my SS covers 90% of that! So it depends but leaving the US, which isn't as hard as one may think, is what many retirees are doing these days!

[@RootFP]

Great feedback. Thank you for sharing.

[@paulhenry5174]

I plan on doing the same in 3 years. Life is much cheaper outside the U.S.

[@Rocinante1963]

Stay safe.

[@juliepayn7696]

Great explanation. I've never heard anyone describe it so well. Thank you.

[@gangcai2876]

I never heard of 35 year rule.

[@cathyallshouse2981]

Yep. It's a real thing. People who take time out of the workforce for any reason, say fulltime parenting, get screwed.

[@proudmoon3]

I have done a lot of reading & watched a lot of videos about Social Security benefits lately, and you are the first person I have heard mention let alone explain the "means testing" aspect of benefit calculation. As someone who is a bit short of 35 years' work history and hoping to cut back my work schedule for health reasons, this is very helpful information! Thank you!

[@janetvalencia597]

One item to note that is not readily known to people: If you are a widow, you can collect your deceased spouse's social security benefits starting at the age of 60. You can continue to grow your own until full retirement age and change afterward if the benefit is higher. It is a great relief for some widows.

[@juliadawnyel3648]

Even if you were only married 10 years

[@SanJoseCA-ot3qy]

I am widow, and my husband doesn't work and get the W-2. Can I collect my SS when I am 60 years old ? I worked 25 years and I am 53 years old now. Please advice, thanks.

[@fourdayhomestead2839]

I'll be signing up for that benefit. SS office lady has been very helpful.

[@nancystockwell7829]

Yes, my ex husband passed away last month. We were married over 10 years, and I am 60. I am blessed to be able to receive the widow's benefit.

[@arceligroff8468]

I will be 60 and widow can I still collect my husband benefits and still can work?

[@lulucastillo7269]

I only worked 10 years after collecting social security benefit and i am still working now and i am 80 yrs old

[@cathyallshouse2981]

Why?

[@dannyknapp515]

You must be one of those folks that have no hobbies . I’ll be damned if I work at that age I like to many outdoor activities to work past 65

[@robskully3539]

I just started collecting mine at 70 and plan to keep working 😊

[@j.pejoro4909]

You're the only person who I clearly understood on how to maximize Social Security benefits. Wish I have seen this before I applied for early retirement. Thank you anyway. I'll be watching all your videos from now on.

[@runoz2839]

right !!! cuz no one else will speak standard English. always like when speak to someone especially @ ssa they know NOTHING AND CANT HELP YOU W/ NOTHING !!! smh... what has happened to society... smh... 🤦 it was NOT like thinking back when My GrandMother went though, this. like they don't want ya to be able to benefit not what an individual is entitled too, but what their's... Sorry to rant . God Bless 🙏

[@TM-li7bl]

Excellent, plain and simple!! 👍

[@janethunt4037]

Very, very helpful. I did not realize that my little part time job was actually helping my SS benefit calculation A LOT.

[@cathyallshouse2981]

It truly does help your overall situation. As does the PT job that a retiree takes after FRA. They get to keep all those earnings, note that they are taxable, and they will increase slightly theyr future SS amounts. There are different rules on earnings while collecting from 62-67 and after.

[@carolwilliams8840]

Your calm methodical way of presenting detailed information was great. Thank you.

[@ailecosibo2754]

Very clear explanation! Thank you!!

[@ralphweber2522]

I knew most of this before, but this was a great explanation that made it more understandable. Thank you! My wife passed last year at age 61.5, I may want to take a second look at using survivor benefits to delay drawing my own SSA. Thanks again!

[@ajp806]

Yes sign up for survivor benefits my mom passed jan 6th and suggested to my dad to sign up.

[@Marabella1]

My wife of 25 years passed Aug/2020. I was 4 months from being 60. I took the survivors benefit then. I will probably wait until 70 to take my own SS so it will be the maximum payment. I hope everything goes well for you.

[@daw7773]

Sorry for you lost. My condolences.

[@KhmerH20]

sorry for your loss

[@dinosanchez8528]

If you ever need me I'm here buddy

[@user-ry5kh7nv9y]

Excellent video. Everything explained so easily and without any fillersGood job. Excellent & simple explanation- Thank you young man..

[@alex-sd]

Learned a lot here. Thanks so much!!

[@lesliephilp6244]

You sir are a natural teacher and a genius

[@Rathod-ld5tk]

Excellent & simple explanation- Thank you young man.

[@novakd1530]

This is really good advice especially the first one!

[@tigereyes3583]

Excellent video. Everything explained so easily and without any fillers Good job

[@RootFP]

You're welcome!

[@AllThingsWagner]

Wow!! Best video on the internet on this subject!!! Thanks for taking the time to share this info for free.

[@RootFP]

You're very welcome! I'm glad it was helpful!

[@Rathod-ld5tk]

Young man. Thank you. Stay Blessed. Stay. Amazing

[@deemiles9484]

Great content, thanks 💯

[@cathyallshouse2981]

You're very knowledgeable. Well done in these explanations. I know more about SS than most people do. The huge fault I see with the system is that it totally screws unmarried retirees. Nobody seems to talk about that that I see.

[@mariareed5530]

Very professional and knowledgeable explanation. Thank you......

[@hafeezquadri]

Thank you James, excellent explanation.

[@joseperez1085]

One has to have a retirement account and social security is a supplement , however, SS, if single always tell you to wait to optimize returns, they really want one to die so he money goes back to the fund. Take your money at 62, take smaller checks but more of them, the trend lines evens out and you end up with more.

[@cathyallshouse2981]

That depends on one's circumstances. Listen to this again.

[@hoangpham6094]

Thank you so much for looking out for citizens like us 65 and over. God Bless❤

[@leothompson8386]

You explained this so easily...... I just subscribed!

[@RootFP]

You're welcome!

[@ESimms]

This was very helpful! Thank you!

[@RootFP]

You're welcome!

[@joanoconnor8552]

One thing you should add is that you cannot collect spousal benefits until the contributing spouse has started to collect SS.

[@wastedg]

excellent presentation - thank you

[@marcielynn4886]

My simple ways. 1 land paid for. 2 house paid for. 3 live off the grid. 4 no utility bills.

[@MrDaltonhudson]

Sounds like a good plan

[@ckm-mkc]

Still have to pay property taxes unless you live in a country where there are freeholds....

[@gavnonadoroge3092]

Marcie Lynn, your land and house are not paid for, you still have taxes for them. and if taxes keep increasing like they always do, you will eventually get priced out

[@oceanlbi]

how are you on the internet if you're off grid and no utilities

[@briha3142]

@@oceanlbi Anyone can be off-grid, running on solar power, and get internet from numerous service providers. You need electrical power, for internet, and solar power fills that requirement.

[@Calventius]

At first I thought that briefing was to simple but then later decided it was brilliantly organized

[@RootFP]

You're welcome!

[@Rathod-ld5tk]

Very Impressive. - Thank you

[@clairetrinkle3034]

AWESOME…Video…Great speaker👍👍

[@robertclontz3728]

Outstanding information! Thank you.

[@RootFP]

You’re welcome!

[@madisonpruet5392]

I delayed for several years and glad that I did. Not only did that increase my base SS, but now the COLAs give a much larger dollar amount since it’s based as a percentage on your current benefit. So my COLA is much larger than it would have been if I had starter earlier.

[@maryjoseph5485]

Very useful information a. Thank you sir

[@TheJbull40]

Subscribed.....have seen a couple of your videos now and there's tons of useful information on your channel. I'm only 47 but already thinking about how my wife and I can retire as early as possible and what moves we should be making right now to make it happen. Things like paying off my mortgage , no car payment, delaying SS, etc...Thanks!

[@MNDrummer]

Life expectancy in the United States is going down. Government debt is dramatically going up. Social Security Disability payments to people that never paid in have dramatically increased. I would suggest taking Social Security as soon as you can.

[@bobravenscraft5376]

Not to mention Putin factor lol, 😉

[@SandfordSmythe]

SSDi is a separate fund.

[@RetiredTop43]

Excellent info!

[@neetusanwal3670]

Excellent information and very clear explanation, looking forward for more nuggets from you

[@RootFP]

More to come!

[@mstainasbabies7063]

Thank for this info.

[@RootFP]

You're welcome!

[@kathyortiz8774]

Thank you! Joe

[@stephanieo9844]

Excellent presentation

[@sombathjaijarat5594]

Thanks for the very helpful info. What happens if I am collecting social security and then get married, am I then entitled to apply for spousal beneift?

[@corettagreene1707]

The one thing life teaches us is that when, we play with fire, it will surely burn. Some of us are still learning the best ways to make things work for our lives. The rest of us find out too late❤

[@sunandevise9934]

Great information! Thank you

[@RootFP]

Glad it was helpful!

[@paulafranciscac2787]

Thank you so much. You explain so clearly!

[@carolinepope9794]

Thank you 😊

[@RootFP]

You're welcome 😊

[@jimbo3609]

Hi James, how accurate is SS website on their estimate for your benefits?

[@brooklynglasscock4503]

You looks so professional 👍🏻

[@milbiaalvarez2936]

👍 thank you

[@davemyers7507]

Cool thanks 🙏

[@davidthompson9359]

James, thanks for your great videos, but I have a few questions/situations that will affect many getting ready to claim retirement benefits. Due to a 5 year long divorce I've got to keep working after my retirement age. 1. I've read that SS will retire you if you don't tell them you are going to defer until later Is this true and what do you need to do prior to age 65 to notify them? Political situation SS running out 2. If Social Security is running out, do I start taking SS at age 65 (3 more months) or wait until age 67? 3. When is the tipping point to where Soc Sec is gone?

[@ruthtirado2750]

What about if you start collecting SSI and still work for several more years and your earnings are the highest in those years? Do they recalculate your benefits?

[@susanroby1010]

Thank you for the video. What if your ex or current spouse owes back taxes and you want to collect either or your own? Does SS deduct that from the monthly amount?

[@RaulMartinez-vk8ej]

Great Explanation. My FRA is 67 & I like to know if I start collecting my SS benefits at 67 and I collect a government pension, Would my SS benefits be affected by receiving a government pension? Also, to be able to collect SS benefits, the 40+ Credits (10 years of work) has to be consecutives or throughout my working career? Thanks

[@DavidSmith-lp5tz]

Good information here. I have a 12 year gap in earnings due to WEP. So I don’t have a full 35 years of earnings. I’m retired and not collecting. It sounds like I could pick up a part time job and in addition to some extra cash significantly add to my SS benefit.

[@carolwilliams8840]

Make sure the employer takes out for social security. Not all jobs do. I worked a city job where they only took out for a pension. No social security.

[@prathimadeshpande]

Thanks always I am earning less than my husband. Now I am not worrying about my earning even I am an accountant; I don't know these things. One more thing I am not a citizen but also keep hope.

[@juanbedolla910]

Thank you very much for all the good and delivered in a very understandable way information....I am about 2 years from retiring, can I setup an appointment with your company to set up a sound retirement plan aimed to pay as less taxes as possible on retirement? also, that calculator you use is a cool tool... where can I find something like it?

[@donaldcedar7574]

@2:20 woah i didn't know this! I was always happy when hearing about the cap on SS tax being raised because i figured that meant more money for the system and more money for me. But if your 35 year contributions are adjusted based on the cap doesn't that change things? Something doesn't seem right here.

[@RyanPinedaClips]

Good video!!

[@jjyemg2397]

Excellent. Thanks. You keep saying that my spouse gets up to 50% benefit from my work history based on "my retirement age(67). Can i retire at 64 first (my wife of 36 years is 2 years younger) and my wife retires the same years when she turns 62 3 months after my 64th birthday. Will she be eligible for up to 50% of what I receive based on my benefit at 64?

[@dovgoldstein3755]

This is the third of your presentations that I've listened to this afternoon, and I still can't figure out heads or tails from what you're saying. Everything seems to have so many different twists and turns that it's simply impossible for me to follow it.

[@TheLamba444]

So my husband started receiving his SSI at 62, also gets disability SSI after diagnosed with cancer. I got disability SSI from MS, a one time back payment and three small monthly payments and then was told I have to wait until i am 62 to receive monthly payments. Could you explain why this happened?

[@danielprovost1]

Collect at 62 continue to work if you want to and reinvest your money. Waiting till full retirement is a joke. For an extra two hundred bucks you can earn more than that on interest

[@sharidthomas573]

Is there a video on spouses receiving a portion of my social security if I am the primary earner?

[@michellengo3352]

Both my husband worked through our our lives. He is currently taking his SS. I plan to take mine when I reach age 62, based on my work history. Is there a limit how much we both can receive SS benefits?

[@sherylp.7212]

Such a clear and understandable explanation! Thank you.

[@RootFP]

Thanks for watching!

[@henrydennis7292]

If you have taxable investment account, you can consider using these next. These account may include individual brokerage account or taxable mutual funds 🐃

[@phonguyen5225]

❤ thanks

[@bob51502001]

I need your help. I am 64, no other retirement, not married not previously married more than 3 years, I don't have a lot to look forward to about $1,400 month. So I'm told from age 60 on up if I work those incomes don't count anymore. Question is, can I take those amounts and plug them into prior years? I had a police retirement spending many years ago cuz I only did 15 years it wasn't much. That's gone, I've got no other 401k or benefits. So I'm trying to stretch this out as best I can. Ty

[@alexshortsplus]

Great easy to understand information ℹ️✌️

[@bridgetgruich]

Thierry can also be local taxes.

[@craigfield9037]

Is it correct to assume that the spousal benefit reduces the benefit received by the primary wage earner?

[@bowl816]

Very helpful. You covered a few points others I have seen and talked with did not mention. I did the math in my situation. I plan to draw SS January in 2026. I will hit my FRA in 2026 and will continue working. This will allow me to double dip. At 65, in a couple months, my life expectancy is 84, my family history shows some longevity and currently healthy. If I take my 1st 6 months of SS and sock it away in a Roth IRA that matches the S&P 500, I should have just over $100k in that account. This is without adding anything other than the initial 20k I put in at 66. Coincidently my break even from drawing my SS at 66 vs 70 is when I hit 84. The difference between the 2 is $800 a month, or about 10k a year. I can then draw that out each you from the Roth, or my wife could if I am gone. We most likely would pass with still over $100kin that account going into our estate. This one strategy will provide money for one of us if we are single, and also more money when we are less able to work. I don’t plan on working at all in my 80’s.

[@joseCalderon1976]

I'll probably collect at 62 and keep working and keep investing in my ROTH IRA. I'm 47, so I'm like 15 years away from that. Thanks for the video! I'll use the extra social security money to keep investing since I'll work until I'm 65. Maybe. Or I just throw in the towel at 62 😂

[@amflynt812]

This is a timely topic for me! I am turning 62 this summer. I plan to retire from my position in the school system this summer. I will receive my pension and have wondered if it is smart to take SS before my full retirement age. Some say this is a a good idea, but others say wait. I also will qualify for a spousal benefit at some point. I do plan to continue working. How will social security affect this scenario?

[@penelope5500]

Well, jmo...but if it were me, I would try to hold off on drawing that SS. You take a pretty big hit on drawing at 62 & that reduced amt. will carry forward to your spousal bene's. too.

[@mikehocking4836]

Your lucky

[@keralee]

What if one starts taking it at 62, keep working a bit, but not spend it, invest it until needed. Is that better than waiting? Also once its not in govt control one can will it to heirs...vs the govt just eats it up...nobody mentions this.

[@asrattadesse8597]

Great information thank you! I have a question for you, if a widow re married after 60 and the spouse didn’t work and didn’t contribute to ss , would the spouse be eligible to collect the widow’s 50% benefits while both alive?

[@ChrisE-xy4wv]

No

[@MyBelch]

I worked for 24 years (military) until 2006. I moved out of the country and never worked/lived in the US again. I'll get a fairly decent paycheck when I turn 62 in 2 years.

[@Noname-rf1xy]

Great video... I'm still unclear about the calculation of 35 years of highest income... specifically how the 0 income years impact the calc.... is the calc the average of the 35 years, hence the average goes down bc of the 0 income years? Also keen on hearing how expats earning income abroad hence not contributing to FICa can maximise SS benefits, assuming they have earned sufficient credits to be eligible.

[@stoneagedjp]

This needs to be addressed.

[@catchristo9406]

Yes, the years you didn't work of the 35 are calculated as zero. So the more years you earn more than zero, the higher your average income and higher your payout will be.

[@user-hq4jz6lc9d]

Great video. Cool dude. Q: Considering what you said. I have a young friend who just got out of 4 years in the active, full-time Army. I'm encouraging him to get into some sort of reserve unit and stay in until he has 20 total years in, insuring a pension and free Tricare health insurance at age 60. He has a TON of retirement points built up already. I have been telling him that a little-known benefit of being in the reserves is that the extra pay he would receive throughout part of his life would help boost his Social Security one day, albeit maybe just a small amount. Am I wrong in that regard? Thanks!

[@tonycicarella876]

The thing about delaying your benefit is really thinking about how much money you are not making by waiting until full retirement age or longer. How long would you have to live to make up the lost income you could have been collecting. I think since none of us really knows how long we will live chances are the income you lose is not worth waiting once you get to 65 or 66.

[@juliorivera870]

How are we going to retire on a check that is not enough to retire on?

[@jscott7348]

I have 30 years working towards SS. The last 10 years I have received 0 for each year I have not worked. If my estimated benefit would be say 1800 at 62 how much more would it benefit me to work a part time job to get to 35 years. Basically I’m just wondering how much of a difference it would make. If it’s not much than it would be worth. Please let me know what you think. Thanks!

[@adolfocaparas2766]

Quick question, I worked for 20 years ,and went tome to my home country, now I'm ready to come back, I'm already 63 years old , should I file for Sss or continue working

[@familyhistory-jennings836]

Great video. Quick question re survivor benefits... if you start with 1/2 of the spousal benefits and the spouse dies, do you stay at the same $/half benefit or can you change to the full survival benefit?

[@janetmartin9372]

You can change

[@Valettasworld]

It is automatically converted once we get the report of his death. I just retired from Social Security over 35 years of services.

[@user-wk2ch9sz5x]

When he dies, you get the 100% of his benefit amount as survivor benefits.

[@kimberlysargent6872]

Sorry, problem with phone.

[@kimberlysargent6872]

Even if he passed away when we were married 3 years?

[@LaurelLeeLRGP]

I'm all about the numbers, so I already did steps one and two - worked 45 years and delayed drawing until 69. I didn't pursue three or four because my own record was better than either of theirs. I should have, though. It could have been the cushion I needed to get my benefit maxed out at 70. This is just a question: If you go to social security about spousal or survivor benefits, do they will look at their record *and* yours; then give you the largest benefit, no matter how you want it done?

[@robthomas5488]

A question. If I payed into Medicare for 45 years, and in retirement i have full medical and I don't use Medicare, do I lose that invested money to the State?

[@time4grace]

Hi, do I have to re-apply or do something at 62 yrs old after being in SSDI [disability] since 2011? Do I have to tell them that I am now a retirement age? Do I get more or less? Thanks.

[@estrellasoriao1655]

I claimed early retirement at 62 from disability pension. eventually, I went back again to work at age 67 years old. Is my social security pension will increase in my pension benefits?

[@PH-md8xp]

Good explanation James. When to take SS, is obviously a personal decision and varies widely. Factors that need to be considered are family longevity, personal health, financial health. Claiming early, at FRA, or later all have their pros and cons. Break even of total $ collected typically occurs at round age 82 for those collecting at 62 versus 70. Something to think about.

[@user-wk2ch9sz5x]

You did a good job explaining clearly, however I have a few questions: 1. I was married for over 10 years, then divorced the S.O.B. and I never remarried. I qualify for the 50% of the ex’s SS benefit monthly amount as per your video, can I retire at 60 and take that while the S.O.B. is alive and has not retired yet? 2. Can I first receive my low S.S. benefit at 60 or 62 and wait until he’s 65 for me to switch to his (50%) ? or 3. Can I get my low low SS. monthly benefit PLUS his at 50% until he dies? 4. Would I get survivor’s SS benefit at his 100% monthly amount when the ex dies ? even though he did not retire and we’re divorced?

[@AlizaFelix-ux8xs]

You do not have to retire to start collecting on an ex-spouse. Better to collect under his account, keep working, and then later switch to Your account.

[@victorialarkin5802]

Does that mean you have to sign up for medicare once you receive social security whether it's spousal or not

[@ontheroad5555]

@@victorialarkin5802 Medicare starts at age 65. The SS agency will contact you in writing and tell you that you need to go online and open an account to file for Medicare or you can go to a local office. They do this about three months before you reach age 65. It would have been nice if people could all collect their FRA at age 65 instead of some at 67 or 66 and 6 months.

[@catchristo9406]

​@@victorialarkin5802You can't sign up for Medicare until you are 65 and it has nothing to do with SS.

[@Rocinante1963]

Let go of the hate.

[@elizabethandrews4199]

Can I collect ex spousal benefit until age 70 than switch to my benefit?

[@spawncom]

good info. thank you. collect at the earliest possible.. life span of a person is getting shorter. 70?!! Not!!😢

[@You-Be-The-Judge]

I am glad they only take into account the highest earning years because I for one did a whole lot of partying and not much working in my younger years 😉