Seniors are often warned not to retire on Social Security alone, since those benefits will only replace about 40% of the average worker's wages. But some lucky recipients this year may be in line for a monthly benefit of $4,873. That might be roughly the equivalent of what you're making now with a full-time job.

To be clear, it's really a very small percentage of seniors who end up with $4,873 a month in Social Security. Most beneficiaries don't get anything close to that amount -- and there's a reason for that.

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Source Fool.com