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I have heard from a couple of co-workers that when they calculate your Social Security benefits, they take into consideration only the last 5 years of work. If that is the case, then what happens if you take an early retirement or start working part-time before you retire? I always assumed that the SS benefits are calculated using your entire salary history. Can anyone straighten me out on this? In figuring out my ER, I am assuming no SS anyway (to be conservative) but it would help to know this. Thanks.
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