Thanks and that is nice point you mentioned.

Social security cap is $160200 and if he/she earned less than $160200 what happened? I would like to compare with what is in my thought from the past. For physicians they reach to social security benefits may sooner than the others due to their income during 10 years. I have had always this question in my mind 40 points need to complete to get max of social security benefits and how affects their earning or other people earning after 10 years when they already caught 40 points. Could you please give me numbers regarding if wages less than social security max so I can correct whatever already planted in my thought. Greatly appreciated it!