Social Security benefits are integral for millions of seniors. In fact, roughly one-quarter of workers expect their monthly checks to be their primary source of income in retirement, according to a 2022 survey from the Transamerica Center for Retirement Studies.

While the Social Security program can be complex and confusing at times, understanding how your benefits are calculated will make it easier to earn as much as possible each month. And there's one common mistake the majority of workers are making that could cost you in retirement.

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Source Fool.com