answer:First, you are not screwing yourself by working. The number is calculated based upon the top 35 years adjusted for inflation. If you did not have 35 years worth of working time you have $0’s in those years and they get averaged in. Working part time, getting a salary, and paying into SS increases your average if you have zero years. If you already have 35 years of high salary then part time work is insignificant as far as SS is concerned. The SS aspect of working is secondary. The income you bring in is worth more. But, if you have the right job, the biggest benefit is what it does to your mind and body.