Millions of older Americans rely on Social Security to make ends meet in retirement, but the program has been facing financial problems for years. Contrary to what many people believe, the program isn't going bankrupt. However, there could be big changes on the horizon -- which may affect your monthly checks.

It's unclear exactly what the future holds for Social Security. But regardless of whether you're already retired or planning on retiring in the near future, there are a few hard truths to start preparing for now. 

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Source Fool.com