Some friends and I reached 62 this year and are comparing notes on Social Security. I worked for employers for 22 years, so I’ve paid in my share. Friends who’ve made income off the books for much of their life won’t receive much benefit. A galpal reached 62 and worked for employers for 30 years with good income but can’t collect because she’s got student loans. Another can’t collect because she co-signed a student loan for a grandson who she has no idea where he even is anymore. Yowza.