When calculating your monthly benefits, Social Security uses a specific formula that takes your 35 highest-paid years of income into account. You can qualify for Social Security with a shorter work history, but for each year you're missing income within your top 35, you'll have a $0 factored into your benefits calculation.

The Social Security Administration (SSA) plays a crucial role in the lives of millions of Americans, providing essential financial support to retirees and those unable to work due to disability. With over 71 million beneficiaries,

If you're getting your Social Security checks at the earliest age possible, your average benefit may be lower than you'd think.