There's a reason most seniors can't snag that paycheck.

(NEXSTAR) – Hoping to collect maximum Social Security benefits after you retire? It’s not likely unless you were among the country’s top earners for many of your working years. In order to max out ...

Most people won’t receive the maximum Social Security benefit — and not because they don’t work hard enough. It’s because the formula is built to reward 35 years of very high earnings, plus delaying ...