Railroad retirement is one of the biggest reasons I believe, we don't pay into social security we pay into railroad retiremet see here www.rrb.gov
Here are some averages,
Average social security benefit monthly in 2022 - $1,666
Average railroad retirement benefit monthly in 2020 (couldn't find an updated #) - $2985
Also if your married your spouse will get half of what your getting from railroad retirement also just for being married to you minimum 10 years, so your spouse would get $1492 just for being married to you. This is all ontop of your MTA pension and start collecting at 62.