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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.

Very true.

On average, if you have 10 years as SS income, you'll receive about 29% of what the full 140 quarters would have provided (40/140). Probably good enough for some food and utilities, at least.

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