Like most people, I expect to get Social Security benefits as a retiree. However, I'm not making these benefits a major focus of my retirement planning. In fact, I want to save enough to retire without counting on Social Security at all.
That's not because I believe benefits will disappear before I reach retirement age, as some people fear. But I do have some other valid concerns about Social Security that have made me wary of making the benefits a major part of my retirement plan. Here are three of them.
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