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Social Security tips, advice for 2020 and years to come

There aren’t a lot of guarantees in retirement, which makes the idea of a monthly Social Security check all the more comforting. As long as you’ve worked for at least 10 years, you will get some money from the program, but you’re probably hoping for more than a couple of hundred dollars a month. 

Maximizing your Social Security benefit requires an understanding of how it’s calculated and how your decisions affect it. Here are five tips if you’re trying to get the most out of Social Security.

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1. Work as long as you can

Your Social Security benefit is based on your average monthly earnings, adjusted for inflation, over your 35 highest-earning years. You should aim to work at least that long because if you don’t, you’ll have zeroes added into your benefit calculation, reducing the size of your checks.

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