1 Social Security Move Absolutely Everyone Should Make Before 2026

Core Insights - The article emphasizes the importance of reviewing and correcting Social Security earnings records before the end of 2025 to ensure accurate benefit calculations in the future [1][6][8] Social Security Benefits Calculation - The Social Security Administration calculates benefits based on average monthly earnings over the 35 highest-earning years, adjusted for inflation, known as averaged indexed monthly earnings (AIME) [3][4] - Accurate reporting of income paid into Social Security is crucial, as the IRS shares this data with the Social Security Administration [4][5] Importance of Accurate Earnings Records - Errors in earnings records can lead to significant reductions in future Social Security benefits, with even one year of zero income potentially impacting retirement checks [5][6][8] - Prompt correction of any mistakes in the earnings record is essential to avoid financial loss [6][8] Accessing and Correcting Earnings Records - Individuals can view their Social Security earnings record through a my Social Security account, which requires identity verification [9]