Social Security
For many individuals, Social Security is critical to their retirement. Two out of 3 seniors rely on Social Security benefits for the majority of their retirement income. Americans have traditionally relied on Social Security, personal savings and employer pensions to have sufficient income for retirement. But savings rates have dropped, Real Estate values have plummeted and the availability and value of employer pension plans are rapidly declining. So for many individuals, Social Security is the only stable retirement income source.
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