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for howsit6,

Quoting from the Social Security Administration site

"Only the thirty-five highest earning years are considered in the benefit calculation. This results in 'zero-earning' years for workers with less than 35 work years and excludes years for those who have worked more than 35 years."

So, yes indeed, you did get bad advice. If you work any number of additional years up to five, you will NOT dilute your thirty-year record. You will instead replace years of zero earnings with the new years of non-zero earnings. You said you worked 30 years; I'm assuming you meant exactly 30 years.

I'm in the same boat, having worked 33 years, retired six years ago at age 53. I have no present intention of working any in the future; instead, I plan to start my social security when I turn 62. It might be harder for the government to confiscate my benefits, which I don't "need", if the benefits are started already. We'll see.


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