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Relying too much on Social Security can leave you exposed. Here’s how to strengthen your plan and avoid costly gaps in retirement.

Millions of Americans rely on Social Security as a financial lifeline. According to the Social Security Administration (SSA), these benefits make up about 31% of all income for people over 65. This level of dependence underscores just how vital Social Security is to retirement, and it highlights the importance of making smart financial decisions now to protect your long-term security.