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Greetings, Bruffjm, and welcome. You asked:

<<My question deals with understanding how benefits are determined. I am employed by my own small corporation. How can I determine if I should be taking a larger salary than I currently am instead of leaving money in the business. The money is profit but I have been borrowing from the business instead of taking salary because the income taxes are lower this way. I want to know how social security benefits are determined to learn if I should be incresing my salary in order to increase my SS benefits.>>

You can get a feel for that by playing with the SSA calculators available at See also the worksheet at

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