Social Security provides the foundation for retirement plans for millions of Americans, but that foundation is in seriously bad shape. According to the program's own trustees:
As if that weren't bad enough, there's a strong chance you won't receive your full anticipated benefit amount anyway, thanks to how those benefits are calculated (even if the program were financially solvent). This is especially true if you're under your full retirement age and face the prospect of reduced benefits for claiming early. Click here to read more from USA TODAY.