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Why You Shouldn't Count on Social Security

Social Security was designed to supplement income, not replace it entirely.

Approximately 65 million Americans receive a monthly Social Security check and it remains a major source of income for the elderly. However, Social Security was never meant to be the only source of income for people when they retire.

Social Security only replaces a percentage of a worker's pre-retirement income based on lifetime earnings, so it's worthwhile to understand how the Social Security program works, the problems it's facing and the importance of personal savings.


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