> You must have had at least 35 high-earning years in your wage/earnings record. Almost half of those years were the opposite of high-earning, and I don’t have

> You must have had at least 35 high-earning years in your wage/earnings record. Almost half of those years were the opposite of high-earning, and I don’t have 35 years yet. If it is near the max then it is because the fraction of years that are high-earning are carrying a lot of weight. I have been quite poor for a large fraction of my working life.