Key Points Plan on working more years than the average worker does. The more taxable income you earn, the bigger your eventual payment will be -- up to a limit. You will need to wait longer than most other people do before taking your retirement benefits. The $23,760 Social Security bonus most retirees completely overlook › Do you have a strategy for maximizing your retirement income? You should. And, even though it was never intended to serve as the entirety of your income in retirement, your p ...