Q: I am 74 years old and have been getting Social Security for almost 10 years. When I worked, I always paid the maximum Social Security tax, but I'm not getting the maximum Social Security benefit. My wife says I shouldn't worry about it, but this has always bothered me. Shouldn't I be getting the maximum benefit?

A: I've been telling people for years not to get hung up on this "maximum" Social Security business. And now I'm telling you the same. I'll explain why in a minute ...

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