is social security determine my final year income?

When determining your Social Security benefits, the Social Security Administration (SSA) takes into account your earnings history over your lifetime. The SSA considers your highest 35 years of earnings to calculate your benefit amount.

In your scenario, if you are currently 67 years old, the years before age 60 when you made an average of $50,000 would be included in the calculation of your benefit amount. The years after age 60 when you made an average of $100,000 would also be factored in.

Since your earnings after age 60 are higher on average, they will contribute to increasing your overall benefit amount. However, it's important to note that the SSA applies a formula to your earnings history, which includes factors such as inflation adjustments, to determine your benefit amount. It's best to consult with the SSA or a financial advisor to get an accurate estimate of your Social Security benefits based on your specific earnings history.