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The choices surrounding Social Security can fundamentally alter the nature of retirement. Differentiating between feeling secure and experiencing undue financial stress hinges greatly on the timing of claiming benefits. Furthermore, the increasing clouds on the horizon regarding Social Security’s future amplify the necessity for informed and strategic planning now more than ever. Understanding your options, preparing for potential outcomes, and adapting your financial strategy can create not just a comfortable retirement, but one devoid of worry over the sustainability of Social Security benefits.