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Surprise! Your Social Security check won’t be as big as you think. - Waco Tribune-Herald

It’s an unfortunate reality for so many Americans – when they finally claim their Social Security benefits, the payment amount is lower, often much lower, than they though it would be. Much of that can be blamed on lack of understanding of how benefits are calculated and how your age when you claim affects the size of your payment. Unfortunately, most people also fail to realize that Social Security is not, and was never intended to be, enough to live on in retirement. At best, Social Security will replace only about 40% of your pre-retirement income, leaving you substantially unfunded if you plan an active retirement lifestyle (which will require at least 80% of your pre-retirement income). The message is clear: you need to understand what your Social Security benefit will be early on, and take action to fill the retirement income gap by other means. This Waco Tribune-Herald article by Christy Bieber discusses why your Social Security benefit is sure to disappoint you, and what you should do to make your “golden years” comfortable. Click here to read more.

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