Social Security is a major source of retirement income for tens of millions of older Americans, and I'm certainly not going to be an exception. I've been paying into Social Security since I was 15 years old and should get a nice monthly benefit once I eventually decide to claim it.

Having said that, just because I'm anticipating a Social Security benefit after I retire doesn't mean that I'm counting on it exclusively, or even for the majority of my income in retirement. Here's why, and two major steps I'm taking to make sure I have the type of financial flexibility in retirement that I want.

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Source Fool.com