When I first started writing about Social Security about 10 years ago, I kept reading about the potential for benefit cuts. And back then, that scared me.

I've always known that workers should not aim to retire on Social Security alone. In a best-case scenario, the program will replace about 40% of your pre-retirement paycheck if you're an average wage-earner, and most seniors need a lot more replacement income than that to maintain a comfortable lifestyle.

Still, I always figured I'd be reliant on Social Security to some degree, and that benefit cuts had the potential to upend my retirement. Thankfully, I learned about the possibility of those cuts at a time when I had the opportunity to make changes to my retirement planning. And because of those changes, I'm no longer as worried about Social Security cuts as I once was.

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Source Fool.com