Originally Posted by heeyy_joe
Work until you have all your social security credits. Avoid the zero years.
It all depends. For us, it is meaningless, even if means-testing isn't strongly enhanced and we remain eligible for SS.
DW will retire with less than 35, but past the second bend point. Unless the rules change, working a few more years to fill it up would be meaningless. So too, although I won't have "zero" years, I'll have a few years under $1500, which I see as the functional equivalent of zero. Even though, unlike DW, many of my years weren't at the maximum, it would be silly to keep working to replace those part-time student jobs with maximum years.