There is a maximum. It's also the case that your social security income is capped, too. I think that a person earning a million dollars a year for 35 years does

There is a maximum. It's also the case that your social security income is capped, too. I think that a person earning a million dollars a year for 35 years doesn't look any different to social security than someone earning 200k a year for 35 years, because both are well over the income cap. I haven't read any of the FIRE stuff, but I wonder if it ignores social security. I'd argue that you can't say you're Financially Independent if your early retirement planning is dependent on social security; it's your money (...right), but there are rules around it, and those rules change.