This might surprise you: The average monthly Social Security retirement benefit was recently $1,671. That's just $20,000 per year, roughly. Clearly, it's not going to be enough to support most of us very comfortably, unless we've amassed a sufficient war chest on the side. (Most of us need to be saving and investing effectively throughout our working lives, in order to be able to retire comfortably. And a simple, inexpensive index fund can be all you need.)

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Source Fool.com