There are two kinds of people in the world. Those who just want to know the time and those who want to take the clock apart to see how it works. I’m sure most of us fall into the first category. I sure do. But of course, there are always those who need to disassemble that clock, examine it, and then try to put it back together.
And when it comes to Social Security retirement benefits, there also are two kinds of people: those who just want to know what their benefit is going to be and those who want to know exactly how the government comes up with their retirement benefit calculation.