Retiring ahead of schedule isn't always all it's cracked up to be.
Social Security benefits could be reduced in a few different ways if you retire early.
Retiring early could also affect your checks because the Social Security formula determines your benefit by giving you a percentage of your average inflation-adjusted wage over the 35 years your earnings were highest. The SSA always calculates this average based on a 35-year career, simply factoring in some $0s if you haven't earned wages for that long.
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