When you think ahead to retirement, are you expecting Social Security to provide most of the money you'll need? If so, you could be in for a nasty surprise. 

It's vital to be realistic about exactly what Social Security will do for you and how far these benefits will go. Here's the ugly truth about what role Social Security can fulfill for retirees, and what your options are if you find your benefits won't be enough for you to live on after all. 

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Source Fool.com