Group 1 - The core idea is that maximizing Social Security benefits involves working hard, paying taxes, and claiming benefits at the right time, while also avoiding common mistakes that can reduce lifetime benefits [1] - Errors in the earnings record can significantly impact retirement benefits, as the amount of income subject to Social Security taxes is a key determinant of benefit size [3][5] - The Social Security Administration relies on accurate earnings records, which can be affected by job or name changes, leading to potential income discrepancies [4][5] Group 2 - To correct errors in the earnings record, individuals should create a my Social Security account to review their earnings and ensure they match tax returns [6] - High earners may not have all their income subject to Social Security taxes, as they may exceed the taxable wage base, which could lead to discrepancies in their earnings record [7] - Mistakes in the earnings record can be rectified if individuals can provide proof of their actual income for the relevant years [8]