Of course, for us really early retirees, we don't have 35 years of nonzero wages, so we just fill them up with zeroes. We do index our nonzero wage earnings then cap them at the appropriate max, if necessary (it wasn't, for me). The indexing factors from the SSA do change a little from year to year, but not by much.
P.S. Sorry, Steelart99
Retired in late 2008 at age 45. Cashed in company stock, bought a lot of shares in a big bond fund and am living nicely off its dividends. IRA, SS, and a pension await me at age 60 and later. No kids, no debts.
"I want my money working for me instead of me working for my money!"