I figured out that including 11 zeroes into the SS calculation dropped my monthly SS benefit by about 10%, hardly anything to get me excited about. I was barely in the 32% income replacement bracket which is part of the reason.
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!"