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If you retire early at age 62, your benefit will be reduced by about 30% for the early retirement penalty. You can go to the SSA quick benefit calculator to find an estimate on what you will receive: https://www.ssa.gov/OACT/quickcalc/
SSA averages 35 years of earnings and in years that you have no income, SSA calculates 0 for that year. If you have more than 35 years, SSA replaces lower income years with higher income years.
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