Social Security is a valuable source of income for tens of millions of retired workers, disabled workers, spouses of workers, and more. And with pensions declining in popularity in recent years, Social Security is the only source of inflation-protected income many retirees have,

If you get most or all of your retirement income from Social Security, money might be perpetually tight. In fact, workers are advised to save for retirement because it’s a known thing that Social Security will only replace so much of your pre-retirement earnings.