Working three more years before retiring might meaningfully raise your Social Security benefit, or it might barely move the needle, and the answer depends on your specific earnings history. Craig explains the difference between delaying when you draw, which reliably adds roughly 8% per year, and adding working years to your 35-year average, which only helps significantly if those years replace zero or low earning years in your history. He also notes why your official Social Security statement may overstate what an early exit will actually produce.
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