Joe and Martina both retire the same year and are the same age. However, Martina receives more in Social Security benefits than Joe. How could this be the case?
A.
Martina had more children than Joe, which increases her benefit.
B.
Martina started contributing at a much earlier age.
C.
Joe earned more money over his lifetime than Martina.
D.
Joe had a pension and 401 (k), but Martina only had Social Security.
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