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Maybe Think of Social Security as Just a Bonus

With Social Security replacing a mere 40% of pre-retirement earnings, one cannot live on the amount alone. That’s why it may make sense to think of Social Security merely as a bonus, as Maurie Backman suggests in this article. She calls Social Security a well intentioned program that falls “glaringly short.” She explains that other retirement vehicles like 401k plans and private savings can be more reliable. Full piece here.

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