A Millennial’s Perspective on Social Security

We regularly see surveys lamenting that today’s millennials think Social Security won’t be there for their future retirement. To be fair, although I am a couple of generations ahead of today’s millennials, I was guilty of similar thoughts way back in the early years of my working career. But back then I wasn’t aware of how Social Security really works, which is also the case with many millennials, and their “Generation Z” successors, today. The reality is that Social Security cannot go bankrupt simply because of the way the program is designed – as long as there are American workers, there will be a Social Security program. In this Kiplinger article by a member of today’s millennial generation, contributing editor Lisa Gerstner shares her thoughts on why today’s millennials should, indeed, include Social Security in their retirement planning – but just be conservative in their approach to how much it will contribute. Click here to read more.

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