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 Depending on when you claim, here’s what your lifetime benefits could look like. 

Couple worried about money
Koto Amatsukami / Shutterstock.com

Social Security remains a critical source of retirement income, but the program is under growing financial strain, and the likelihood of benefit cuts by 2033 is becoming more real. That uncertainty is already changing behavior, with early claiming on the rise as Americans worry about securing their share. The 2025 report from the Social Security Board of Trustees reveals that Social…

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