Nearly 75% of Americans are unaware of this Social Security move.

Social Security can make or break retirement for millions of retirees. Without it, around 16 million Americans age 65 and older would be living below the poverty line, according to 2023 data from the nonpartisan Center on Budget and Policy Priorities.

If you plan to rely on your benefits even slightly in retirement, it's wise to ensure you're maximizing them. And there's one Social Security move roughly three-quarters of U.S. adults don't know that could supercharge your monthly payments.

The biggest factor influencing your benefit amount

When it comes to how much you'll receive in Social Security benefits , everything from your income to the length of your career to your marital status can affect the size of your ch

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