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If you're so wealthy you don't have to work for many many years, you won't have built up Social Security credits (140 quarters), so there isn't that to fall back on.

Except, you only have to have 40 quarters of SS credits to claim SS. So those with at least 10 years (40 quarters) of work, including things like summer jobs, will get at least some SS to fall back on. It won't be as much as if they worked for 35 years (140 quarters), but it won't be nothing.

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