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In this episode of Retire with Peace, David Zaegel unpacks how Social Security benefits are determined. From your highest 35 years of earnings to inflation adjustments, AIME, and PIA — this episode covers the essential calculations everyone needs to understand. You’ll also learn about spousal benefits, the impact of early vs. delayed claiming, and strategies to maximize what you’ve earned. Whether you’re planning for retirement or helping clients do so, this episode brings clarity to a complex system. Key takeaways: Benefits are based on your top 35 years of earnings. Zeros only count if you have fewer than 35 years. Taking benefits early reduces monthly income. Waiting until 70 can increase benefits up to 132%. Spousal benefits can provide up to 50% of a higher earner’s amount. 📈 Don’t leave Social Security to chance—understand the numbers and plan wisely.