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Most people don’t realize Social Security isn’t a “one-size-fits-all” decision. Your claiming age could add or cost you six figures over retirement. Here’s what you need to know: 📌 How Social Security Benefits Are Calculated Your benefits are based on your highest 35 years of earnings. If you have years with little or no earnings, it could lower your average, reducing your benefit. 📌 How Claiming Age Affects Your Monthly Check \t•\tClaim at 62: Up to 30% reduction from your full benefit. \t•\t
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