Thinking about retiring early and worried it might hurt your Social Security benefits? Good news: it probably won’t.

A common myth is that you have to work into your 60s to get the most out of Social Security. In reality, benefits are based on your 35 highest-earning years—not the age you stop working.

This episode breaks down how benefits are calculated, what “bend points” are, and why even part-time income in semi-retirement can make a difference.

There’s also an important distinction between when you stop working and when you start claiming. Monthly benefits can range from around $1,400 at age 62 to $2,400 at age 70, depending on the timing.

Curious what your own numbers look like? Head to ssa.gov to create a free account and check your personalized estimate. It’s a simple step that can help you make smarter retirement decisions.

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The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.

Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements

Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.

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