Make This Social Security Move Before the End of 2025 Or You Could Regret It

Workers are urged to log into their mySocialSecurity account and review their earnings record before the end of 2025 because Social Security benefits are computed from the average of 35 years of reported earnings and mistakes can permanently reduce future payments unless corrected promptly. Annual checks also provide benefit projections at 62, full retirement age and 70—helping households understand that Social Security typically replaces only about 40% of pre‑retirement income—so spotting errors or shortfalls now can change retirement saving needs and avoid unnecessary withdrawals from 401(k)s or IRAs.

Analysis

The article urges workers to sign into their mySocialSecurity account and review their earnings record before the end of 2025 because Social Security benefits are calculated from a worker's reported earnings (the average of 35 years) and the account shows projections at age 62, at full retirement age and at 70. It highlights that Social Security typically replaces only about 40% of pre-retirement income, so the statement’s projections are material inputs to retirement planning and contribution decisions for 401(k)s and IRAs.

The piece stresses that errors in the earnings record can permanently reduce future payments unless corrected and that correcting mistakes is materially harder years later when W-2s or tax returns may no longer be available. It also notes that annual checks make it easier to spot and fix discrepancies and avoid unnecessary early withdrawals from retirement accounts.

The article includes a promotional claim that certain claiming strategies could increase annual benefits by as much as $23,760, which underscores the potential value of optimizing claiming timing but is presented as an advertised “secret” rather than an audited guarantee. Investors should treat such headline figures as illustrative and rely on verified SSA projections and documented earnings corrections when modeling retirement income.

Key Decisions for Investors

• Log into your mySocialSecurity account and verify your earnings record before the end of 2025 to ensure reported wages for the most recent year are correct
• If you find discrepancies, assemble W-2s/tax returns and contact the Social Security Administration promptly to correct the record rather than delaying, because late corrections are harder and may be unsupported by documentation
• Use the SSA projections at ages 62, full retirement age and 70 to stress-test retirement cashflow scenarios and adjust 401(k)/IRA contribution rates if Social Security appears to replace only ~40% of pre-retirement income
• Treat promotional claims like the "$23,760" figure with skepticism; evaluate any recommended claiming strategies against your SSA statement and run scenario analyses before paying for advisory products or changing claiming behavior