Here's a good article on how SS ifs figured. It takes your monthly average over 35 years. Then uses whats called a PIA formula. You get 90% for 1 first $1024,then it drops to 32% after that up to $6172 and any amount over that drops again to only 15%.

If you're @ 1024 =$12,288 a year @ 90% SS is $11,059.20 a year Now add another $5148 which would add $61,776 @ 32% = $19,768.32 So your total income of $74064 would get you a $32056.32 pension. Now lets up it another $74064 to get our income up to $148,128 we only get 15% of that additional income so it adds another $11,109.60 to our pension. So as you can see you get over $11K for first $12K but only around $20K for your next $60K which = $32K for your first $74K but only $11K for the next $74K.


A person making $12,288 has a 90% total return.

One making $74064 is @ 45% total return.

and the highest income of $148,128 only returns 29%.


So even thou people don't believe it lower income people get a much better return on their total SS earnings.


https://socialsecuritygenius.com/how-social-security-is-calculated/