Filing for Social Security benefits earlier than full retirement age can significantly reduce your monthly payments, impacting your retirement funds for life.
If you delay claiming Social Security until your full retirement age, you'll receive your full monthly benefit, which can be crucial if you're relying on these funds.
It's essential to understand how your work history influences your Social Security benefits, as your highest earning years affect the calculations.
Evaluating your wage history and considering working longer could potentially yield higher Social Security checks, ensuring better financial security in retirement.
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