The math is correct. But I'm an unusual case since I retired in 1994 at age 38 once I'd accumulated enough capital to quit working. I have 13 years where I paid maximum FICA up to 1994, and mostly zeros in every year since.My case isn't quite as extreme, but because of early retirement (age 49 in my case), my Social Security calculation series was filled with some zeroes and some very small amounts from summer work during high school. Once I retired I was pleasantly surprised to find that my SS calculated benefit grew every year as my royalty payments replaced those zeroes. I haven't checked recently, but I think I'm still replacing low wage summers with royalty payments each year.
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