If you've recently gotten remarried or you're about to, retirement might not be the first thing on your mind. But there's no denying that marriage has a serious effect on what your retirement will look like.

When calculating your monthly benefits, Social Security uses a specific formula that takes your 35 highest-paid years of income into account. You can qualify for Social Security with a shorter work history, but for each year you're missing income within your top 35, you'll have a $0 factored into your benefits calculation.

I understand that if I start taking Social Security benefits at 62, the payments will be entirely wiped out by the amount that I’m earning as my salary is way above the maximum allowed.