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[quote=Anonymous][quote=Anonymous][quote=Anonymous]SS counts your 35 highest-earning years to figure out your payment. Years with no income count as zero and do count into the average, so they work against your total. [/quote] Unless she’s already over 35 years. I’m 49 and am already. Also, FWIW, OP the effect is minimal—<$100/month on the max payout.[/quote] The estimated SS that OP is asking about assumes that the wages will continue to increase. So the current 35 years might include years where OP was earning minimum wage or a much lower percentage of the max social security wages. So you are wrong here. Yes OP has enough where there will be no zeros in the calculation. But the quarters will likely include well more of lower percentage wages than the quarters as OP ages and gets closer to retirement. The only way it won’t count against OP is if OPs wages are much lower now than when OP was younger. [/quote]
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